The Financial Illiterates

We get the opportunity to talk with Antoine Martel tonight. We will be talking about real estate (multifamily and single family), plus all the other random finance topics we typically cover.Martel's YouTube: https://www.youtube.com/channel/UCW1ONg8DDny43xpRf3LAy4wMartel's Instagram: https://www.instagram.com/martelantoine

We get the opportunity to talk about #investing, #nfts, and other finance topics with Methodbox. We've been following their content for a while and are excited to see where they see #nfts going.Methodbox Channel: https://www.youtube.com/channel/UCp3Hf9uvu7IKpRig_N34BSg?sub_confirmation=1

He was making over $300k a year, and gave up $200k by leaving his job to be happy. We talk about how he made the decision, why, and what's going on now.

We've now made two real estate investments, this is our look back on what we did right, what we did wrong, and answer any questions you all have.

Everyone is talking about #NFT and you've heard us talk about these before, but this time Trae has gone deep on it. Let's talk about where it's being used, why it's so hyped, and if it's valid.

Lo is back tonight after last time walking through his finances to find out he could FIRE, tonight we are taking a look at where he is at now.

Tonight we get to talk with the hosts of the millionaires unveiled podcast.

Jack Duffley is on the podcast tonight talking about being a 23 year old law student who is on track to a million dollar net worth.Check out Jack's channel: https://www.youtube.com/channel/UC_g4GptJd1A5vzfu2CR4dRwBitcoin podcast: https://www.theinvestorspodcast.com/bitcoin-fundamentals/bf-001-bitcoin-common-misconceptions-w-robert-breedlove/

We had Rob William on to talk about FIRE, cars, and when it makes sense to buy a McLaren.Check out Rob's channel: https://www.youtube.com/channel/UCj3-j9RF_AMdty7gtUuBb8A

Let's talk about buying our second real estate investment. We are about to buy our second real estate investment, but unsure of whether we really have the capital to do it.

Stocks, crypto, and who knows what else this week.

This week we are talking about how crypto art could be a great investment and why infinite banking is the most ridiculous thing Trae has ever heard.

Lorrenze joins us this week after inheriting almost $1.5 million dollars and buying a rental property. We analyze his holdings and what he needs to do to get to the portfolio that would make him financially independent.

Financial independence is looked at in an amazing light, but many don't talk about what it really takes to get there.

What are the strategies we use to continually learn and improve like some of the most successful people in the world. What are some of the attributes of the most successful people?

Why is financial independence so important to us and some more conversation about risk tolerance.

Wow, two guests in a row. This one is with Jason Swett of codewithjason.com. As always our random assortment on conversation includes whiskey and other randomness, plus some in depth conversation around retirement, investing in yourself through businesses, and what financial independence means.Jason's site: https://codewithjason.comJOIN OUR DISCORD: https://discord.gg/BSTHjuMRadical Candor: https://amzn.to/31clwbnWebsite: https://www.youtube.com/channel/UCJTcKa11MQNOkT4wsfNFLkQTwitter: https://twitter.com/trobrock and https://twitter.com/gustinjabriel

We have our first guest, and of course Trae forgets to hit the go live button until half way through. Website: https://www.thefinancialilliterates.comTwitter: https://twitter.com/trobrock and https://twitter.com/gustinjabriel 

This week we talk about passive income and cash flow and how long it can really take to retire early from it. We talked about increasing your risk, and of course the usual rambling of nonsense.Website: http://www.youtube.com/channel/UCJTcKa11MQNOkT4wsfNFLkQTwitter: https://twitter.com/trobrock and https://twitter.com/gustinjabriel

This might be the most random episode we've had.We talk budgeting, real estate, whiskey, cars, and other nonsense.Website: https://www.thefinancialilliterates.comYouTube: http://www.youtube.com/channel/UCJTcKa11MQNOkT4wsfNFLkQTwitter: https://twitter.com/trobrock and https://twitter.com/gustinjabriel

Tonight we talked about how to invest with no money, what Justin's ultimate number is, what generational wealth is, and about Dr. Dre's wife's expenses.YouTube: https://bit.ly/2Zjp22yTwitter: https://twitter.com/trobrock and https://twitter.com/gustinjabriel

We figured out the live stream this week and there is a lot of whiskey talk, plus some talk about buying our first investment property, and how to budget as a couple.Website: https://bit.ly/2X3E8FpTwitter: https://twitter.com/trobrock and https://twitter.com/gustinjabriel

it's been a while since we've talked finance here, so this is a new approach at it. it's our first of (hopefully) many live streams. This time around we talk about the new property we put an offer on. we talk about risk and why people should be taking more. Justin also announces a new project lol.Website: https://www.thefinancialilliterates.comTwitter: https://twitter.com/trobrock and https://twitter.com/gustinjabriel

We wanted to discuss how life and finances have changed since COVID-19. This time we have a guest! A long-time friend and co-founder of Green Bits, Andrew Katz, joins us to talk about how life has changed as well.With self-isolation, kids, no school, market's crashing, things are crazy, this is how we are dealing with it.Andrew's Twitter: https://twitter.com/andrewkatz00Website: https://www.thefinancialilliterates.comTwitter: https://twitter.com/trobrock and https://twitter.com/gustinjabriel

In this episode, we react to Graham Stephan's video "The 5 Financial Goals To Achieve In Your 20s". Website: https://www.thefinancialilliterates.comTwitter: https://twitter.com/trobrock and https://twitter.com/gustinjabriel

It has been forever since we've recorded a podcast, so here it is just a catch up on what's been going on in our lives related to finance and everything else. Meet Kevin video: https://www.youtube.com/watch?v=BINMdrbocQo Twitter: https://twitter.com/trobrock Twitter: https://twitter.com/gustinjabriel

This week, we talk about the future value of money (also referred to as the time value of money). What is the the future value of money? The future value of money is the idea that a dollar today can have a higher dollar value tomorrow if you invest it. What's an example? Consider this...would you rather have $55,000 now, or $1,000/month for the next 60 months (totaling $60,000)? This results in $70,118 monthly payments vs. $73,602 lump sum. That results in $3,484 more if you take the initially lower lump sum. Why is it important? "The time value of money is an important concept to investors because a dollar on hand today is worth more than a dollar promised in the future. The dollar on hand today can be used to invest and earn interest or capital gains. A dollar promised in the future is actually worth less than a dollar today because of inflation." Also important to note, inflation makes your dollar less valuable (2-3% every year). Because of this, your purchasing power goes down, meaning $10 today won't buy as much as $10 one, two, three, or seventeen years from now.

Graham Stephan released a video with his "7 Highly Effective Habits of Making Money". We thought it was interesting and wanted to give our reaction to these, good and bad. Graham's Video: https://www.youtube.com/watch?v=FFrRkNuhnAs The Financial Illiterates is a podcast, newsletter, and everything else dedicated to documenting our journey towards financial independence and helping everyone else along the way. #Podcast #FinancialLiteracy #TheFinancialIlliterates Trae's Twitter: https://twitter.com/trobrock Justin's Twitter: https://twitter.com/gustinjabriel Website: http://thefinancialilliterates.com Newsletter: http://bit.ly/2V5ekMY YouTube: http://bit.ly/2X3E8Fp

The importance and the danger of impatience, especially when it comes to financial goals. We constantly struggle with emotional decisions that would lead us backwards financially, how do you balance buying things because they make you happy and becoming financially independent? Ryan Serhant's Video: http://bit.ly/2KDRWol Gary Vee - Micro Speed, Macro Patience: http://bit.ly/2X2X0V9 Trae's Twitter: https://twitter.com/trobrock Justin's Twitter: https://twitter.com/gustinjabriel Website: http://thefinancialilliterates.com Newsletter: http://bit.ly/2V5ekMY Justin: 00:00 Yeah. Hold on. I gotta get like a video of video. This is what we're actually trying to do for the podcast. Trae: 00:17 Welcome back to the financial illiterates. This is episode number two of the video and some larger number, maybe like 17 ish of the actual podcast. Uh, that's spelled I. L. L. I. T. E. R. A. T. E. S. I did not forget it. I did. I did forget it. Um, so first off if you're watching the video, one is going to be a little bit weird this is our first remote one and it's extremely strange cause I'm just talking to the camera and I don't get to see Justin's beautiful, beautiful face this time. Justin: 00:46 Hey, thanks for the compliment. Trae: 00:47 Oh, sarcastic. Justin: 00:52 Bleep Trae: 00:53 So it might be little bit weird that way, but it's, it's gonna be good. It's going to be good. And Look, look how good everything looks here. It's all set up. And then look at Justin Justin: 01:01 This episode will at least be better than the last one, I think. Trae: 01:05 Oh man, now you're setting the bar so low. Justin: 01:08 Well actually it could be worse. We'll see. Trae: 01:10 That's true. It could be. So today we wanted to talk about a topic we were discussing the other day being patiently impatient. Justin: 01:18 Yes. Trae: 01:18 Yep. Justin: 01:18 And managing your impatience. Trae: 01:23 Managing your impatience. That's probably a better way to say it. Justin: 01:26 So you don't do stupid, bleep. Trae: 01:27 Yeah. Thanks. Thanks for that editing there. Justin: 01:31 Um, yeah, that's right. Oh f---. Trae: 01:34 Managing, managing your patients. So we, oh man, it's going to be one of those days, isn't it? Justin: 01:40 Yeah. It might be. Trae: 01:41 It's going to be one of those days. Um, yeah. Okay. So we were talking about managing your impatience specifically. We were talking about, um, about you starting to get very impatient about becoming financially independent. Justin: 02:01 Yes. Yeah. It, uh, started to hit me and just the feeling of impatience because I wanted everything right now. Okay. Yeah. My financial goals laid out kind of where I wanted to be, what financial freedom look like in a rough path of what it would take to get there. Um, but then I was just thinking, I was like, I want it all right now. Like, I, I'm so impatient and I want to make this happen as quickly as I can, like today or tomorrow, but it's going to be like a five, 10, 15, 20 year commitment to this. Trae: 02:33 Yeah, exactly. And I think, uh, I think that led us to a conversation where I got to explain my, my impatience with, uh, with, with my goals because I would definitely classify me as the inpatient one. And you as the incredibly patient one, um, on our journey. Justin: 02:50 Maybe it's just been lately the roles had been reversed. Trae: 02:54 Uh, I would definitely not call them reverse. I'm still incredibly impatient. But that's what, that's what led us to the topic of, um, being like patient and inpatient at the same time. Um, I, so I watched a, a, I watched a really good video by, um, oh my God, why is my name blanking on $1 million listing? Dude, Ryan Serhant. So Ryan Serhant's vlog. If you don't watch it, it's, it's actually a pretty good vlog. Um, he did a video and it's caption was, um, something around patience. And then in the thumbnail, it actually said I'm the most impatient person ever, which, which intrigued me in the timing of it was great since this is what we were going to talk about. And he described it very, very much how, how I feel, where I actually want to remain inpatient. I want to be constantly every day thinking that it should happen today and I needed to happen today. Trae: 03:53 Whatever that thing is, whether it's, whether it's my financial goals, or a project I'm working on, whatever it is. Like I'm just impatient. Like I want it to happen now. But at the same time, I don't want to be, I don't want to be macro inpatient where I make stupid decisions or I do bad things to try and reach those things. So it's like, it's, I mean, I guess it's a little bit the Gary v thing, uh, does, he actually talks about this... Justin: 04:21 He talks about being patient. Trae: 04:23 It's something like micro speed macro patience or something like that. Justin: 04:33 Oh yeah. Yeah. I know what you're talking about. Trae: 04:36 Wow. Yeah. No. Okay. So podcast done, Gary. V's has already done it. Let's, uh, bye guys Justin: 04:42 go listen to Gary v content. But no, Trae: 04:45 no, but it's that exact topic where like we're speed, speed, speed, speed in the, uh, in the micro, but understanding that all that speed is still gonna take a long time. Justin: 04:59 Yeah. It sounds like you are really using your inpatience as a tool to help you get to those macro goals. Trae: 05:08 Yeah. I don't think any of it was really intentional. I'm just like kind of impatient. Justin: 05:14 Yeah. Well I think it was getting to me recently, you know, we both have these big ambitious goals of, you know, financial freedom and generally just a good life for ourselves and our family. Um, but it's just like, I guess I was, I got a little too caught up in the, the views of social media and the other stuff on youtube and the Internet have, you know, their people our age that are 10, 20, 30 steps ahead of us and kind of like seemingly at where they want it to be or where we want to be. Um, but us, at least me, I was like, what can I do to make that happen? At least what can I do legally to make that happen? Um, morally and ethically, I wanted it all right now because I wanted that satisfaction. But yeah, it, it, uh, at least this past week managing my impatience was a challenge. Trae: 06:11 Yeah. And that's, that's interesting. Um, that you, sorry, my dog's like getting into something upstairs. He's for sure. Getting into something, whatever. Uh, it's interesting that you bring that up because that was actually like one of the main premises in our concept behind the financial illiterates was like, there's all of this content out there, these social media people, blogs, youtube videos, like everything out there and everyone's already done it. So it's, it's all like, here's how I would start over again to get to where I am today. But none of it is like, is this moment right here where we want to get there. But we're, we're, we're impatient. We want to do it. And like, these are the struggles that I feel like people, people overlook and don't remember whenever they start looking back on things. Justin: 07:03 Yup. I think for us, like it's, we've gotta be, at least to me really mindful of, uh, one managing that impatience and then not doing anything, uh, irrational. I want to say like making too many emotional decisions with finances. Like for me, one of the things I battle is like, I get a lot of joy from cars. I think that's been pretty well established. But in the past I think I've spent a little bit too much money on cars, but I'll constantly go through that thought of like, you know, cars are a, uh, a tool for socializing as well as just fun for me. But I should not be blowing a lot of money. Like I should have a very, a smaller budget for cars I guess. And for fun than I did in the past that like this week I even, I was thinking through like, like what do I have to do to afford like that, that small taste of fun with cars. And then also not thwart my bigger financial ambitions. Trae: 07:58 Yeah. And it's, it's definitely hard. Like I, um, I, I struggle with this with this slightly larger things, but the houses like a, you know, Kimmy and are looking at buying a house probably the next year and we're, you know, we've looked at some pretty ridiculously sized houses. Um, and I've like one of the, one of the things I constantly have to ask myself is, do I, do I want that house because it's a big freaking house or do I want that house because we would actually use and enjoy that house. Um, and I think like that's, that's sort of one of the questions that you have to continually ask yourself to avoid, avoid those like bad moves of inpatients. Because a lot of times, for me at least, the feeling of impatience leads to wanting to portray the success that I'm impatient to get, which is like, you know, fast cars, big houses, all this stuff that you see on Instagram, right? Justin: 08:58 Yup New Speaker: 08:58 Um, so it's like, how do you, how do you, how do you avoid, do buying those things? Not all together, but for the wrong reasons. Justin: 09:09 Yeah. Like A, another Gary v thing like. I'm not going to go out and buy a car to fuel my ego. Like I'm not, his thing is like, yeah, you shouldn't go out buy a new BMW just to feel good or like to kind of show off. Right. Um, thankfully I think we're, we're past that point at least. Trae: 09:30 Yeah. I don't know if I'd call it past that point. I mean the like the temptation to buy things because your income is a lot higher than it used to be is constantly there. That's why for me, like YNAB and a budgeting tool like that so critical because without, without that like, and that's where I was before, before this year really is it's so easy to just be like, oh, I'm just going to get that one little thing on Amazon or I'm going to get this one little thing at the store. I'm going to buy that one piece of camera gear. And then all of a sudden like that's, that's how you've increased to a point where you can be making, you know, a hundred, $200,000 a year in spend in living paycheck to paycheck, which is exactly where I was. So like for me, the budgeting tool come, comes in as a critical piece to avoid this. And then now that I know that there's a budgeting piece, I actually only have this amount of money that I can spend and if I reach pass it, it has to be a conscious decision, not an emotional impulsive decision. Justin: 10:34 Yeah. Yup. That makes sense. I think for, for me at least, I was able to reel it in some of my impatience without making dumb decisions because of, uh, a budget or budgeting tools. I was able to look at the numbers and say, Hey, you know, it would not make sense for me to spend x amount on a car because it would, you know, thwart my financial ambitions for at least this year. Um, but you know, like if I played around with something and be like, okay, I can allocate, you know, x amount. So I was being, at least with looking at my budget, I was able to manage inpatience without making any dumb decisions so to speak. Trae: 11:13 Yeah. Okay. So it sounds like what we're saying is we avoid dumb decisions by budgeting. Justin: 11:17 Yeah. Sounds like start with a budget. Trae: 11:20 Interesting. Yeah start with a budget. Justin: 11:24 Financial Literacy, I guess we're on to something. Trae: 11:25 what other, what, what other strategies have you found yourself using to, to avoid making, making impulsive decisions? Justin: 11:34 Uh, I want to say two things. The first one I mentioned was going back to the budget because I don't want to spend money that I don't have. Um, and then the other one is very much to, we spoke to earlier is things like reminding myself of the macro goal or like the ultimate ambition and where I'm trying to do. And then tying that in with a budget, I would actually be able to see, you know, if I made a so-called done decision or spent more in a certain thing that I should have, I could potentially see, you know, like how much longer will I delay that ultimate goal of financial freedom? Trae: 12:08 Yeah, I think I, I think I do something really similar. You know, when I look at buying, let's take the house example of right, like how much cash am I going to have to put in to buy that house? I'm buying a house, I'd, I just assume I'm not going to profit anything from that. So it's, it's not looked at as an investment, which is a new thing for us. Um, but I look at how much cash I put into it and then, you know, I do that calculation that you and I like to do all the time where we, we take that number, we multiply it by 0.06 to figure out what it would earn year over year to 6% return. Um, and see if I'm okay putting that money off. And then you plug it into a compounding interest calculator, look at it over 10, 20 years and like see what that, how that impacts it and whether it's worth it. Justin: 12:54 Yeah. So I guess math helps us manage impatience. Trae: 12:57 Yeah, it's like a, it's like cost benefit analysis, right. Um, like what's, what's it going to cost you? Not just in cash but in future cash because a dollar is worth a lot more now than it is in 20 years, both because of inflation and compounding interest. So just like being, being aware that that's a thing and figuring out what, what that value actually is. Justin: 13:25 Yeah. Cool. Trae: 13:25 Wow. That actually felt like a pretty good podcast. I think. Like that was a good topic. Justin: 13:30 Hey, it was at least better than last week's. Trae: 13:33 anything is better than last week. Sorry about that guys. Have you signed up for the newsletter yet? Justin: 13:39 Bear with us. Yeah. That should be coming out at the end of next week. Trae: 13:45 Should be if Justin gets that done. Justin: 13:48 If Justin starts to check Basecamp. Trae: 13:51 Justin starts checking in on Basecamp, then maybe that'll get done. Yeah. Um, cool. Anything else that you wanted to cover on this one? Justin: 14:01 Uh, no. Other than, uh, not sarcastically. I think we both looked beautiful. Trae: 14:06 I mean that's, that's very true. That's very true. I just got my hair done today, so that was money I shouldn't have spent. Justin: 14:16 Just start shaving my head so that I don't have to go get haircuts. Trae: 14:19 Oh Man. And I don't know about this. This place is like, it was, I don't know why it was so expensive. Okay. So we're going to go off on a tangent here about haircuts. I like to get my hair cut at a salon because Salon's actually give you good haircuts, but you have to find a salon that's also got people with their barber's license because they do men's haircuts. But then on top of that, you have to find a salon that's not ridiculously priced. I did not find the last one today. So I got a haircut appointment scheduled, Kimmy scheduled my hair cut appointment because I'm just, I'm the worst at scheduling these because it takes like an hour with travel and getting it cut and everything. And I'm always just like, man, but I could get so much work done in an hour. So she scheduled it, I paid for it and I looked and she just tells me the price is going to be $50. Trae: 15:05 I'm like, what? Like texts Kimmy, the second I leave him like, did you know that it was going to be $50? Justin: 15:11 How often do you get haircuts? Trae: 15:14 Um, not as often as I should. Justin: 15:17 Like 50 bucks a month for haircuts? Trae: 15:21 Nah, it's like once every two months. Justin: 15:23 Okay. Trae: 15:23 That's still too much. I know. When you look at it through that lens is actually not that bad anyway. That's enough about haircuts, financial, the haircut illiterates or whatever that would be called. Justin: 15:37 Yeah, financial haircuts. Trae: 15:39 I don't know. All right. That's it for today. Then. As always. @gustinjabriel and @trobrock on Twitter, thefinancialilliterates.com there will also be a link in the description on youtube and the description in the podcast for the newsletter and the financial illiterates school is coming soon. Keep an eye out for that. Um, anything you wanted to say before we wrap it up? Justin: 16:07 Nothing other than bye-eeee... Trae: 16:09 Oh, one last question. If you're watching the video version, are you watching it on youtube or Instagram TV? Do you like one over the other? Uh, and also, you know, like, subscribe, do all that stuff and we'll see you guys next time. Both: 16:25 Bye-eeeeeeee

We are launching some new things! Thanks for coming on this journey with us! Sign up for the newsletter and checkout the video version below. YouTube: http://bit.ly/2RpfduO Newsletter sign up: http://bit.ly/2V5ekMY The podcast: http://bit.ly/31JtZRX trobrock: http://bit.ly/2RppmaR gustinjabriel: http://bit.ly/31JCDQj

Spoiler alert: Trae quit his own company... Let's talk about why. He did not see Michael Jordan btw: https://www.youtube.com/watch?v=LyRCmMpNVyg Blog post: http://bit.ly/2MvVCdH trobrock: https://twitter.com/trobrock gustinjabriel: https://twitter.com/gustinjabriel

What does it mean to be rich? It seems everyone has a different opinion on this. This is what it means to us and some of our real financial goals. https://twitter.com/trobrock https://twitter.com/gustinjabriel

It finally happened, the Scat Pack is gone. Why did Justin take $2000 less for the car than he could've gotten and how. Spreadsheet for determining whether to sell or not: http://bit.ly/2IPdPQH Sign up for Turo: http://bit.ly/2UVZLH9

Let's talk about money.... Wait, we aren't supposed to? WHY? Why is talking about money so bad in our society? How can you change that and why should you?

We talk about the methods I've learned from Atomic Habits on how to effectively make and break habits. We also examine how these methods have worked for us in real-life habits we've set. These really can change your life. Atomic Habits: https://amzn.to/2JInLgk James Clear: https://twitter.com/JamesClear Matt D'Avella: https://www.youtube.com/user/blackboxfilmcompany

We recap the books we've read so far and the books we plan to read, and cover why they've been so impactful for us this year. Books: Atomic Habits: https://amzn.to/2JInLgk Sell or Be Sold: https://amzn.to/2TXQTVi Radical Candor: https://amzn.to/2FFDE33 Rich Dad, Poor Dad: https://amzn.to/2uw2iNd How to Win Friends and Influence People: https://amzn.to/2V4rLch The 10X Rule: https://amzn.to/2OsJxTP How To Create Wealth Investing In Real Estate: How to Build Wealth with Multi-Family Real Estate: https://amzn.to/2TyvIEk The Book on Rental Property Investing: https://amzn.to/2QgdLbY Twitter: https://twitter.com/trobrock https://twitter.com/gustinjabriel

We talk about our recent shift in thinking about real estate investing and go over how we are analyzing properties and figuring out what we do and don't want to buy.

We were in a weird mood for this one, it's basically an update episode on the massive number of financial project we bot have going on. https://youtube.com/user/trobrock

Algo trading, the art of having computers make money from money. https://alpaca.markets https://quantopian.com

Justin owns a nice car, but wants to convert it from a liability (costing him money) to an asset (making him money). This is how he's doing it. Sign up for Turo: http://bit.ly/2UVZLH9 Justin's car: http://bit.ly/justins-car

A quick discussion on why Trae, after having thousands in credit card debt, just got more credit cards. YNAB: https://www.youneedabudget.com/ Trae: https://trobrock.com Justin: https://twitter.com/gustinjabriel

In this episode, Trae talks through how he was able to consolidate -- and pay off -- thousands of dollars of credit card debt. Why did he prioritize paying off credit cards? One (expensive) word -- interest. We also talk about how paying off this credit card debt was able to significantly improve Trae's credit score.

In this episode, Trae and Justin have trouble spelling "illiterate" while talking about a book that has greatly influenced the way they look at money. It has even helped them become less financially illiterate. Listen to the book: https://www.youtube.com/watch?v=V9avyLscJTA Buy it from Amazon: https://amzn.to/2B39wvI

For a long time, neither of us had a budgeting strategy. This resulted in our expenses being higher than they should have been -- we were basically spending too much of our income; leaving us with not much money to save and invest to reach our financial and lifestyle ambitions. In this episode, we discuss different budgeting strategies and what has been working for us when it comes to two popular budgeting tools, YNAB and Mint.

Welcome to the podcast, we wanted to introduce ourselves and let you know what we are trying to accomplish with this podcast. I'm hoping our struggle through this journey will help you out and increase our financial literacy as a society, but if not you'll at least get to see how bad we are with money.