Friday Flight - Robots Ruining Everything, A New Robinhood Feature, & Kim Kardashian's Crypto Kerfuffle #408

impacts our money. By the way, I did try to listen to the new Kanye album, partially because he recorded it here in Atlanta. I got through the first few tracks and then they weren't bad, but there were twenty seven tracks. I'm like, Kanye, I don't have that kind of time. I was seeing something how literally he had changed the number of tracks they were on that album because pulled one back. It's just like, wait, what is

going on here? And honestly, I think he's kind of a genius marketer and and I think it's all in an attempt to get people like us to talk about it. And if so, he succeeded, and so with that in mind, I'm not going to talk about it anymore. Instead, actually I wanted to talk about I wanted to share that, dude,

I scored my Chase Sapphire Preferred points. I hit my minimum spend, which is that's a hundred thousand points, right, a hundred Yeah, so I saw my my total pointed shoot over one hundred thousand, which is equivalent to over fifty dollars. But here's the thing, so they were kind of unclear in the language. You don't you can't actually get a check for one d and fifty dollars statement credit though, right, well, yeah, statement credit. But they don't make it super easy like it used to be like

in the past, or were some other cards. You could just apply that total balance to your statement. But the way that they're doing it, you have to go through and click different charges that you want to apply it too. It's a little sneaky. It's it's kind of a hoop that you have to jump through, still more than when you're talking about getting Yeah, big of a benefit, but

that yeah, that's a sneaky way to approach it. Yeah, I mean it took all of ninety seconds just to run through a bunch of purchases, mostly being able to apply it to like restaurants and um, grocery stores, that kind of thing. That being said, you can actually received just straight cash back, but it's the reduced amount. It's only uh one dollars as opposed to that bonus two fifty that you also get. So obviously I went for that bonus. I got that. That that's all it takes.

Uh And so if you haven't checked out the Chase Sapphire Preferred, I mean, it is a complete no brainer. There has never been a credit card like this that was offering such an incredible sign up bonus. If you don't struggle with overspending when you get a fresh new credit card like that, we would highly recommend you look into this card. If it was just for like a hundred bucks or twohundred bucks, this isn't something we would

be talking about. But the fact that it is over one tho it's twelve fifty if you apply it to actual purchases that you've made with that card, and that is just some serious value that you can't ignore. For sure, it's pretty solid. It's been around now for a minute. We're not sure how long it's gonna allow us. Yeah, it's definitely the richest sign up on us we've seen for the card that we already kind of talked about in like but Matt, let's keep moving on. Let's let's

get to the Friday flight. Let's talk about the stories that happened this week and how they impact all of our collected wallets. And you know, last week we actually talked about you waiting to get the new iPhone. You know, you you that's right. You wanted the new one to be released so you can get the prior version, not at a reduced price exactly, not to get that third team, It's because I want a discount itself, exactly. And it looks like that announcement is going down next week that

you might be buying a phone next week. Man. But yeah, that is great news for everybody who wants to pay less for a new but not very new model phone. And there was actually a study done this week by wallet hub about iPhone upgrade habits that had some revealing information. They found that one in three people plan on getting the new iPhone this year, and that one in five. It's a lot, there's a lot of people. And then one in five think that it's worth going into debt for.

And that was also a lot of people, more than I would like to hear. Yeah, exactly, Like I feel like, can we just say right now on how the money? But it's a hard no going in debt to get a new device. There are especially if you're like man going gung ho and getting the nicest device, But really, no matter which way you slice it, going into debt to buy a new electronics item, it's just a no no. We would never ever suggest anyone do it for really

any reason. Absolutely. I mean honestly, I don't think taking on debt for anything that is going to depreciate is ever a good idea. Right investments only, that's when you can use leverage to your advantage, dude. One of the stats I found most revealing is that of people in the survey on wallet hub, they say that they're judging you basically if you don't have the latest version of

the iPhone. They believe that not having the newest and hottest phone is a sign that you are actually struggling financially. I know those iPhone people are judging us Android people anyway, so I'm used to it. But what about the Yeah, I mean, if they're judging people who don't have the latest phone, I can't imagine how many people are actually judging me with the piece that I've been carrying around for so long. But really, man, this they've got it backwards.

This all goes back to the millionaire next door. The folks who are actually building wealth are the ones who have money in the bank, money in their retirement accounts. Uh. They're the ones who are saving and investing their money, not constantly upgrading their gadgets and uh buying things to display to signal to others that they've got their finances that they've got their money together. That's true. Yeah, the more you're doing that, the less money you actually have.

And so it looks like to other people you've got money, but in reality you don't have as much as the people who aren't living as flashy of a lifestyle. There's actually some other cool news about the iPhone this week, math that I found actually more compelling than the release of the newest one, and it's that Apple is testing out using your I D on your phone in a

handful of states. In our state of Georgia is in this pilot program Yeah, they're one of like two states that they're gonna implement it first, in which I'm super stoked about. Yeah, that's super cools. Like this move basically like when you go to the airport now, instead of pulling out your physical driver's license, you can just leave your wallet at home and bring your phone and show it to T s A and keep walking through the line.

The actual rollout data is still to be determined, but yeah, we'll mention it get on the show and further details get rolled out. Yeah. Again, Sadly, for me as an Android user, this is not something I'll be able to take advantage of, but it's cool to see our phones

that are really doing everything. Now they're replacing our flashlights or replacing our calculators, and now they're gonna replace our wallets because we can already pay with something like Google to Pay, and now being able to put your license on there as well. It's like, I love my wallet, but what do I need it for? Now? All I need is my phone just to be able to whip out a little pocket knife, to be able to cut little things that I need, open you know, packages, that

kind of thing. But is this enough for you to maybe jump on the bendwagon and get a knife phone. And you think I don't. I don't think so, because it's gonna come to Android at some point too, right, I don't know my well, but like that is honestly the only reason that I still carry about all at around is because my ideas in there. Just you know, when you're going to the liquor store, if you're at a restaurant, you get carded, which honestly happens less often.

Now do you like whence the last time you got carded. I don't have as many gray hairs as you, so it's understandable if you're getting carded less. But also to you, if I've got a bunch of kids with me, like, they never card me. When you've got four kids, four kids into they're like, okay, there's no way that's a bold move to card you. That's a really bold move. There's no need for that, that's true. Let's talk about security issues here, Joel. Targeted ads are being served up

to you on your television. We've talked before on the show about how TVs are getting smarter, and not just when it comes to allowing you to stream content from pretty much anywhere. Now, but TVs are are now gathering data on what you're watching when you're watching it. Uh And honestly, this is part of the reason too that TVs have become so much more affordable over the past several years, is because these manufacturers are able to make money based on the data that they that they gather

and sell. When it comes to the TVs, now, not only are we the consumer, we're the ones making the purchase, buying the products, buying the streaming services, buying the devices, but we are also the product ourselves because our data is being sold to these different data companies that sell

that information. But Consumer Reports has a great article documenting the fact that tailored ads are now the norm when we're watching streaming content, just like the bespoke ads you get when browsing the web that are based on your browsing history, You're likely to have a similar experience the next time you sit down to watch something via an

ad supported streaming app. Honestly, the only one I can think of that I use all that often is YouTube if I'm trying to look something up on YouTube, I've realized how much I've gotten used to not having ads, because when you are paying for certain services like Disney Plus, like there aren't any ads, But with YouTube, when I get that free information, they're always dishing up whatever tailored ads.

I guess fits the profile of my browsing. My my wife was watching something the other day and a commercial popped on and I was like, what's going on? Like, what are you watching that has commercials? So we like we watched streaming things they don't have commercials, and she was like, I'm watching the show Ship's Creek and I was like, cool. Did you know that we have my parents Netflix log in and it's on there and you don't have to watch ads? And she was like oh.

She was sometimes like where you watch depends on whether you're gonna get ads right, and so if she was watching on the wrong streaming service and watching commercials for no reason. But I think the creevious thing about that article was someone from a media company saying that they know which physical stores you've spent time in and that they use that information to feed you ads to basically like if you were at Best Buy for forty five minutes, we know it. It's like, oh my gosh, it's so weird.

It's it kind of feels like what don't they know about us at this point in time? And U Yeah, by the way, they're serving up these targeted ads through what's known as a c R, or automated content recognition, So it's even creepier mat that the TV makers can figure out exactly what you're watching, even if you're not watching something connected to the Internet, even if it's just a DVD, because they're taking still pictures along the way while you're watching it, and there's they're using that that

data as well. So yeah, what's a person to do. Well, Um Consumer Reports again, who did a lot of great work on this front. They've got a guide to turning that a c R feature off on your specific TV if you'd like your viewing habits to remain more private. I don't know that there's any way to completely get everything back in the bag, but you can do the best you can by turning this off on your TV. And they've got like different models and how you do that.

So it's worth checking out if this creeps you out as much as it does Matt and I, yeah, well I say it creeps me out and then I don't like it. But then at the same time, sometimes when I get you know, dished up a very customized ad on Instagram and something's on sale. I say, oh, oh, that's awesome. I'm glad I know that because that's actually I made a purchase the last fall on a jacket that was served up to me within my Instagram feed, and they wouldn't have been able to do that without

my data. Right, that's true. All right, let's talk about travel for a second. Trip stacking. Have you ever heard of this term. It's like a new phrase that has entered the phrase just this week. This is fascinating, it's it's it's totally a thing now. A friend of the show, Scott Kais, was interviewed for a New York Times article about trip stacking this week. It's a super interesting concept, and I see the appeal in the current travel environment.

The idea is that you book two trips over the same period of time, and then you go on the trip that seems like the most viable as you get closer to the departure date with because because like one trip, maybe the borders are close and you can't exactly one of the places that you're trying to get, or there's a spike in COVID, maybe in your you know, destination stating, and you're like, maybe not I go there, maybe next year.

And so ultimately how this works is that you're gonna take both trips, but you'll just push one of those trips back aways on your calendar, cross your fingers. Maybe next year things will be all right. But before you take this approach, you need to make sure that you understand that there are some downsides. You need to make

sure that you go about trip stacking in the proper way. Yeah, exactly, because if you don't, you might end up taking one trip for the price of two that is not ideal and that that would in in fact be a giant waste of money. But yeah, basically, if you book two trips and the airline cancels, of course you're entitled to a refund. But if you cancel those tickets then the

airline will typically offer you a travel voucher. And so where you could really be out of money is if you fail to use that voucher in the allotted time given to you by the airline. For most airlines, if you canceled that trip, if you book that trip this year, you'll have use of that voucher to book another trip through December thirty one of next year, so you've got time to take another trip, but just make sure you're

aware of the specific rules surrounding that voucher. But if you have booked with airline Miles and then you cancel, then you get all your miles back if you don't take that second trip, So that's probably the best option. Booking with Miles is going to offer you superior protection. But I love this idea of trip stacking math. It sounds like a big pain in one way to try to play in two trips at once and then cancel

one and rebook it for a later date. But if you are dying to travel and you want to do so safely, it seems like one of the best ways

to kind of head your bets. That's right, And fortunately the major airlines are allowing for just more flexibility that they don't normally offer for their cheapest basic economy fairs, And so if you buy a ticket this year, you won't have to pay a change fee, although you might owe a little bit more money if there's a difference in the fair, and so that's something to keep in mind. And so yes, trip stacking this could be a helpful

strategy to plan for vacations. That way, you know you've got some time planned off work on this make sure is that that vacation doesn't end up a staycation because you can't actually or don't want to actually go to the destination you had in mind. All right, Joel, We've got a few more stories that we're wanna get to right after the break, including that Kardashian crypto kerfuffle. We'll get to that plus others right after this break. All right, we're from the break and it is time to get

to one of our favorite segments of all time. It is the ludicrous headline of the week. And of course, Matt, this one is Kim Kardashian related. Um, one of your favorite Americans, right, your favorite Kardashian specifically, right, So, well, now I think Chloe is probably my favorite, Matt. If

you're not, I don't even know how. I literally don't know. Yeah, I know there's those two, right, Yeah, I couldn't name the other ones, I don't think, but um, yeah, So here's the headline, Kim Kardashian and Cryptofomo why regulators are worried And this one comes from CNN Business. Kim Kardashian, as it turns out, has over two hundred and fifty million followers on Instagram. She just she that feat recently, So congratulations, Kim, we are I believe nipping at your

hills with twelve six hundred. I am not one of these Kim Kardashian Instagram followers, but yeah, more proper to her for, you know, doing what she's doing and apparently Matt. She recently released a sponsored Instagram post hyping up a fairly new cryptocurrency coin, and that post made ripples not just here in the US, but across the pond, because when you're Kim Kardashian, you make that big of a splash, and it drew some harsh comments from a regulator in

the UK. His name's Charles Randall, he basically said, which is like the most British name ever, Charles Randol. And uh. He basically was like, the Internet's full of crap and he's right on that too. But yeah, while we agree that there is some terrible investing advice out there, We've talked about this. Some of the influencers out there on TikTok, Instagram, wherever you're getting your social media, we're seeing more and more finance content out there, and a lot of it's

not very good. But we just don't believe that more regulation is the right answer. So yeah, we say, let the ad play, let it stand if if they're you know, that coin is willing to pay a Kardashian to promote it or whoever. But the responsibility really and always remains with us as independent adults, uh and investors as to what we choose to do with our money. It's pretty much always a bad idea to take investing advice from

a celebrity who's getting paid to dispense it. And really, I'm you know, a celebrity in general, just Hollywood types like um, you know, they live different lives than most of the rest of us. And so yeah, if any Kardashian, Chloe Kim, whoever it is, Kanye, or if Kanye is dispensing investing, I'm probably not going to be listening, or

I'll take it with a grain of salt. And I just recommend that we all have that approach when we see these ads on Instagram or just you know, any kind of content in general that's trying to push us in a certain direction. Yeah, it's just crucial for us to do our own research before jumping in with both feet, and it's it's important for us to look to trusted sources, especially if you're considering a decision that has a large

price tag attached to it. And you know, we gotta say this one hits a little bit closer to home because of the way that we are able to support and run the podcast is through advertising. You know those ads, just like the one from Kim Kardashian, Sorry k came at her close friends? Do they really? I don't know, I'm not a close friend. Well, those ads are clearly delineated. You see the ads on Instagram, they have hashtag ad. When you know you hear the music break, that's when

you know our ads are about to run. But we wanted to mention that because the ads that we voice are the only ones that we actually have control over, and we choose to only voice for companies that we like and that we think are going to be good for our audience. But even still that you know, either way, whether it's an ad you see or that you hear elsewhere, even on our show or even just other content within our show, we want you to do your own due

diligence before you act. Hopefully we've you know, you've you trust us to give you the best in the right information here on the show. That's our goal, our goals to help our listeners. We want to make sure that everyone is making wise financial decisions. But so much of personal finance is personal, and so you have to make sure that you know something that might be good for Joel and I even I mean, gosh, even earlier this episode,

like we talked about credit cards. If you have a problem with spending on credit cards, like that should be something that you completely avoid, like do not get that Chase card with that man of uh, you know, welcome but us or whatever, because if you're just getting started, it's like, and you know that that's your propensity exactly, that's not the right move for you right now exactly. So you have to make sure that you go into any decision with your your eyes wide open and that

you are thinking for yourself. And we're not perfect, Like we screw up too or we'll say the wrong thing, um and so we again we try to give the best advice, but we're not always right either. So that, yeah, that is a good reminder. I like to consult multiple sources, Matt, when I'm reading news to try to get an informed outlook, and you know, we recommend our listeners do the same. Let's move on, Matt, to this robin Hood story, this

new feature that they're launching. They're they're planning to roll out something that allows you to access your paycheck a couple of days earlier. This was reported by Bloomberg. A few of the online banks have kind of been doing this for a while now, so it seems like no big deal, right, everybody's doing it well, kind of. We've got no problems with you having the money that you've made in your hands earlier. If your employer wants to

pay you daily, that's fine. If your bank wants to say that your funds are available and ins day instead of Friday, that's that's cool too. Like before the direct deposit actually hits, if you have access to it, I don't care. You can start earning interest on your own money earlier than before, and that's great. The problem is though, that we as individuals, we get used to a new pay cycle pretty quickly, and then we can become dependent on it, and it makes it easier for us to

live with less of a cushion. So yeah, we would say, don't let earlier access to your hard earned dollars allow you to spend those dollars more recklessly. This is a feature that's interesting and we don't mind it, but behaviorally

our reaction to it can be the problem. Yeah. I mean, honestly, it makes me think of the Advanced Child Tax Credit right instead of paying that out at the end of the year after you file your taxes, this is something that's being trickled out to people every single month, and whilst I do see the advantages to that, it increases individuals dependence on that money. I do not like seeing that. I want people to be effected. Yea. And if it

was not there one month, you're like, what exactly? So we don't want folks to be in that situation where they're counting on something like that to show up. We want you to have enough margin on your own you know, on your own terms, like you're in charge of your own money, and to not be expectant on these advances

that show up. I really don't like the position that it puts people in, but I think this is also a really good time to just to warn our listeners how easy a company like robin hood is making it too quickly and seamlessly move your money around because they're they're moving all of this within their app, or it's reported at least that they're going to include this within their app. They wanted to seem like that they're doing something super noble, giving you access to your money earlier

than before. Yeah, or robin Hood, it's your money, it's in our name. But what do they want you to do with that money. Well, they would really love it if you would invest more of it. And of course we do love investing, but there's a real danger here if you're investing just on a whim, especially in single stocks, with money that instead should be sitting inside just a

boring savings and checking account. Uh, you might be prone to risking too much money that you really need to keep on hand, save for an emergency fund or for a larger savings goal. And so that's a part of the reason we don't like just the just how these different apps are just greasing the tracks and allowing us to move money without hardly even thinking about it. We don't want you to make investment decisions like that on

a whim. And on top of that too, Robin Hood, Like they don't even offer retirement accounts, and that should be the number one priority for the money that you're investing. Uh. And so again we're saying all this because we want you. It's not that we're against Robin Hood. We I really like how intuitive and how easy they're able to make things. But that only works if you have an actual plan

for your money. Uh. If they're making it too easy for you and you don't have a plan, well, they're just making it really easy for you to make mistakes rather than execute the smart money moves that you've planned out. Yeah, exactly. All right, let's move on though, and let's talk about automation for a second, Matt. It's obviously been a focus in our economy for a while now, more and more automation happening. Ever since you know, Henry Ford and the

assembly line, automation has been an important part reference exactly. Yeah, it has been really just this really important part of what it looks like to become more efficient and more optimized for all sorts of different companies. But yeah, the trend to automate as much as possible has been accelerating. A lot of that has been due to COVID. Understandably, a survey last year found that forty of employers planned

to reduce their workforce by implementing new technologies. And that sounds scary, and I think in some ways it is. But the interesting thing is that automation all I think for for years a lot of people have used it as this, um, hey, we're gonna automate more stuff, more people are gonna lose their jobs, and it's gonna lead to widespread unemployment. We haven't really seen that be the case though, um but it is particularly hitting the service

sector hard right now. The l Times actually had an article and it mentioned Sweet Greens buying robots that cook and dish up veggies. I kind of want to see this thing in action. I've seen like Flippy the Hamburger for the robot Burger. But it also highlighted using an AI robe bot at Arby's that will take your order and then relay it to the kitchen. So instead of that friendly voice over the microphone or not so friendly depending on where you're going, asking you what your order is,

now this AI enabled machine is taking your order. And mobile ordering via QR code has obviously become ubiquitous during the pandemic. Um automation is just quickly changing the job market, and it's changing our expectations as consumers when we go out to eat and in other areas too. But it's just interesting how the restaurant sector is seeing it the most quickly. Yeah, what do you think by the way of mobile ordering via the QR code as opposed to like wait staff, I kind of miss the old I

totally miss that. Yeah, but I get it, like it makes sense and I understand the necessity for it, But I definitely miss like getting to know my waiter just a little bit, the personal interaction, like the humanity aspect of talking with another another human being, having them make some recommendations for you, them telling you, oh, actually this isn't even on the menu yet because we just made the switch. We just kicked that beer and we just

put those new ones at that kind of thing. I miss that part of going to a restaurant so much, and that's just a huge part of the experience. I totally get it. Say at Arby's, like, you're not really looking for experience, just looking for a triple roast beef sandwich. You want to get through that line quickly. Uh. And because that's what a drive through is. You want to hit the road, you're going somewhere. But if you're going to sit down at a restaurant, you're not just going

there for the food. You're going there to sit down to enjoy the weather. If you're sitting on side to enjoy the ambiance. Uh. And a part of that is the wait staff. I totally miss uh some restaurants who have switched to the the QR code ordering, Like I don't mind it for the menu, It's like, okay, I can just do that. It's the most up to date menu. Get that. I also don't want to be on my phone while I feel like I'm scrolling through my phone.

Rather have a big, old large menu and you can point to stuff if you're there with your you know, on a date with your wife, that kind of thing. Um. And that's the other part of it too, the technology. Like I'm thinking of one place that you know, I went to and we had to like punch in our credit card numbers directly into this form on their online ordering. Talk about a huge pain. Like I don't know if that was just because they had just gotten set up.

And also you're worried about identity TEP or something like that, right, Like, well, I guess so. I mean maybe the argument is that at least there's not a waiter who's gonna like write down your number, you know, off on the side. But I would rather that's why they need to do what they do in Europe and bring the credit card machine

to who you at the table like that. That's a so much better way to handle it with because when they walk off with it and it's you know, out of your sight, that's either well, and they have been doing that more often, bringing you like the little square terminal or the clover terminal, that kind of thing. But I completely missed that real in person interaction um with the pre COVID times. But another downside too of all this automation is that companies are rejecting millions of resumes

because of automation techniques that they've implemented. The Harvard Business School they released this report earlier this week that potentially ten million applicants aren't making it past the first digital gatekeeper when applying for a job, and this is largely because of automated filters that are being used to screen these potential employees, and so I get you know, while businesses they want to make sure that they're not just

needlessly interviewing non relevant candidates, uh, they're actually shooting themselves in the foot by creating essentially like too high of offense. So, for example, many of these software programs they eliminate anyone with a gap in an employment or someone who's been employed at the gap the clothing store. I think that's if you if gap has written in there, it's just like no if you're getting kicked out exactly. And obviously this has problems during even just normal times. It's obviously

creating even a bigger issue now. So this new information shots some light on the fact that networking being persistent, these are still major factors when it comes to landing a job. We want you to follow up. We we don't want you to get shut down cold buy an algorithm. And I think some of this might even come back and you know, by the employer in the butt as well,

because I think it already is. I think they can make changes because they aren't getting enough good applicants, like they are short of workers, and they're realizing this systems in the way it's created. This fence, and so they're gonna bring the fence down I think a couple of feet. But then at the same time, you and I we have to take a ladder to the fence. And and our way of doing that is networking, is persistency, is reaching out to actual individuals who work at the company

where you're applying. Those are the strategies you have to implement because artificial intelligence is kind of making things a little more difficult right well, and it makes it less personal, like even going back to mobile ordering at restaurants, like there is something that you can gather about somebody when you sit down and talk to them face to face. And that's something that these employers are missing out when

it comes to searching for new candidates. And on the note of employment, Matt, there's a gap right now between the jobs that are being hired for and then what job seekers actually want to do. It's just like really big gap right now. Um, And so yeah, for the first time in a while, there are actually more job openings then there are people looking for work. And some of it, like we said, is because of those crummy algorithms, like they're preventing the proper employer and employee from getting

paired up. But another huge piece is that the jobs that we want are changing right now. We've kind of decided that maybe the work we were doing it's not fulfilling. We want to change industries, we want to shift careers in education plays a central role in helping us get the skills that we need in order to do that. We've talked about like the training that you can receive from Goodwill will link to that in the show notes. Uh, they have a good will where you buy a secondhand

clothes exactly. They actually have partnered with some jobs program major businesses to help you find great jobs um not crumby jobs, really good jobs and so yeah that check out their targeted and certification programs. And then Google Certificates is an avenue that you can take. It's really really cheap and it's a quick path to a higher paying job. You can get a Google certificate in six months that will lead to a pretty good gig for most people

that jobs that are in high demand. Well will link to both of those, but they're they're definitely great places for people to turn if you're interested in kind of shaking things up. Both of those are great places to to check out. Yeah, and over time, hopefully we'll see that gap close, because I mean, I think there's always

going to be a lag between supply and demand. Uh. And with the way things have been going with employers and employees and prices and goods and you know, and pay, like it's almost like a staring contest to see who's gonna blink first, because employees don't want to come back for low pay. But at some point something's gotta give, whether it's the price of goods that they're gonna have to jack up, or whether it's people wanting to come back because they're running out of money. But in the end,

I think we will find that equilibrium. But it's just at the moment we're definitely it feels wonky, right, it feels out in flux right now, yeah, exactly. But but things will settle down and and hopefully some of our listeners will take advantage of the weird space that we're in, the fact that some employers are in desperate need of good people. And if you do want to change careers, if you do want to get paid more money, moved

to a different company, now is a perfect time. And it's it's kind of like having a home that you wanted to sell this past spring. It was just like perfect timing, right, And so if you are looking to do anything career wise, it's perfect timing. It's it's and timing is not everything, but it's a lot out of things in this life. And so yeah, we would suggest that you strike while the iron's hot. But that's gonna

do it for this episode. We will have all those links up in our show notes on our website at how to money dot com. That's right. We hope everyone has a great weekend. We've got another great episode plan for you here. On Monday, we're gonna be speaking with Marshall Allen and we're actually gonna talk all about different ways that you can reduce the cost of your health care.

That's going to be an incredibly practical conversation with a lot of takeaways that folks will be able to implement into their lives with a brilliant guy who has been working in this space for a decade and a half. And yeah, he just has so much good information it's and he delivered it so well. So looking forward to sharing that episode with you guys. That's right, So Joe, it's gonna be a buddy until next time. Best friends out, best friends out