Life Doesn’t Get Easier, You Get Better (SB1604)
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friday deals first one more plus members get early access to our hottest deals. Join now and get fifty percent off a one year annual membership shop like friday deals first with warm r plus c terms of walmart plus. Ca, you are we do on our toast .

or monday to toast, french toast. I love french toast. It's so good.

My mom and you were talking about toast. No, you got to go with like the thick french bread, but it's I got three quarters of an inch thick and it's still soft in the middle, but the outside is crispy and then the button kind of melting.

Keep going. yeah. And then you .

just put a light smear of rasberry jam over the surface. You want to overwhelm IT. It's not a dont.

It's toast. Okay, let's take place and do this right now. Let's do this like right, right, right now.

Any time I can have too much Better, too much Better, too much, too much butter and just a little bit of jam. But you know what, dog, whenever they give you that choice at restaurant. And so like, would you like hybrid? And what am I? He then look at me. No, I don't want hybrid.

That's interesting because when I ordered, I love breakfast sandwiches. So over the omlet and they say, what you want is decided to toast. My side of toast is usually right, because I like the flavor. And then I take some of the Emily and I make that the inner ds of the z damage. And then I meet him a umlaut sandwich with rye.

D. G, like I said, i'm not a he then, but dogged. There we, there we go. I think IT is to, oh, by toast human to the troops I did.

Is that not a toast? When you're using coffee.

toasty and coffee, we can toast a and coffee.

the troops, to confuse about what's happening.

raise your mug, not just your face, but your mug on behalf of the million women, make a podcast amount basement, the man of women in navy federal credit union, big shuttle to our troops on a monday. So I go tax and bedroom .

ments together.

And now shall we take everybody? Ca, I die to government cheese and live in in a way, and by the river.

Live from joe mom basement is the stacking Benjamin show.

I'm joes bomb's neighbor dog and you know what you need? You need a walk upside, dad. That's what just mom's is anyway. And right after you tell you forgot to bring all digital from the store. But I remember the good cats.

Ah it's time for some top love that's where I was on today show our monday mentors are kicking your, but all the way of the back. Its behavioral psychologist bread clots and tiktok star Adrian bamba. Plus in our headline, some cities are full of more people with debt than others.

What are the most and least debt written U. S. Metros will share? Don't you worry yourself even a little bit, because i'll be sure to share a delap of my delicious trivia. And now two guys, you are surprisingly surprise this early on on monday, it's joe and O, J. 这就 起。

You know, gl, you can tell when ducks been hanging out with mom too much, he says, spy 回家了。 Welcome to the nineteen fifty fifty podcast. I am josey hide across the card table for me, is the straggle himself waking up with the rows .

or .

whatever they? What's another?

What's a good roosters?

Roosters y used bird .

in that .

goodness. But what we doing.

it's mr. Og, I don't know. How are you, man? You salty the day?

Yes, it's monday.

It's a good day to be salty.

It's a day that ends.

And why I was and say the same friends.

we ve got bad loans here and bright cloth is generally a nice sal de. Yes, he's a super guy, but today he's salty and .

it's funny because .

I don't believe .

what how do you know where's the? No, not that one race. No, is that? No, not that one.

I can't find IT. There we go now. We got a fifth button.

I press no bread. And Adrian, think you need some tough love. H, my god, my god, we only got one of those year. Do we actually did another one dog? No, surely the podcast today, bread is always, like.

always doing the truth with no veva on the hammer.

Listen to the chapter headings ings of bread and and Adrian's new book, because their book is all about harsh truths in quotes. Chapter one, being poor sucks. I chater two, only poor people think the system is rigged.

Number three, you don't want to become a million year. You just want to spend a million dollars after four, your beliefs about money. You're keeping you poor.

Chapter five, your teachers can't teach you how to get rich. Chapter six it's not your fault you were born poor, but IT is your fault if you die poor. Chapter seven you don't deserve more. You're getting paid what you're worth.

I like IT it's .

preach brady.

this was .

ghost threaten by .

og wasn't IT I got a god. All these things have come out of my cohoes mouth so many times. Chapter eight only liars say they love their jobs.

H, we're going to have some form, brad and ador in today. It's gona be great. And we're going to talk about, og, what do you think the most deterrent city in the USA is? If you had to pick what would be IT?

I mean, all in like not bad debt, just like what city has the most debt. And you're talking about municipality. You're talking about .

people that live.

Thank you. Let's go with .

non margate. det. T have been the west coast.

sure. More state. You're going right to the pacific ocean.

Yeah ah shoot. I would have to say it's where a bunch of Young people are. Ralli north CarOlina.

Rally north to doug.

What do you think interesting non mortgage that i'm still going to say, Austin, texas.

Austin, texas. And let's go with least what do you think is the least debt ridden U. S. Argo, fargo, north dakota is going to be per capital.

right? Because otherwise you just find out city with four people in IT. Oh.

don't know, it's to get to be a major city you ve heard of like fargo, the one that yeah like fargo.

they make movies and T, V shows about that place.

Major least definity. Um did you hear?

Hold on, second log. Did you hear? Because I just start this last week. Dug, why the coin brothers called that movie? fargo?

No, I don't think I know .

this close to the movie, as you know, takes place in brainard, right? But they didn't want to call IT brainard. They thought that the word fargo would look Better, actually, is a title that was another percent the reason element? Yes, because they didn't want to call IT the rainer.

ha. How about that anyway? Og, what city do this?

So least per capital has to be low cost living with high income, high ish income somewhere in the south. No taxes. Houston, houston, well.

we're about to find out the bets are locked, everybody. And i'm sure you've got your starkers. We're going to get to that right after we say hello to our salty guests today.

Adrian rambler, he rose to tiktok, started by redefining real wealth. Here's what he did. He earned one point seven million dollars. wow. Geral, please. Living in a van may be down by the river doctor brag plants is a distinguish professor in the world's adding authority of wealth psychology.

Bread, of course, has been on the show a couple times, most notably just a year ago when we did our investing during election year special episode. It's amazing how much of that psychology played out during the years. We saw headline after headline.

If you got a panic, you must panic. Bread in nature and got together, they're going to hear how to slap upside the head as dog among both day. But before we get to them are monday mentors. We have a couple sponsors that make the show free so that we can keep on and keep in on. We're going to hear from two with them, and we're going to get this party started.

This episode is brought to you by progressive insurance. Do you ever think about switching insurance companies to see if you could save some cash? Progressive makes IT easy to see if you can save when you bundle your home and auto policies, try IT at progressive dot com, progressive casualty insurance company and affiloir tes. Potential savings will vary available in all states.

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Here they are, having a ceded the table. Adrian and doctor brother, here, how are you guys?

What's up? So I did to be here and ravenous.

Rather, audience knows you. In fact, we've been talking all you are long about the awesome around table. You are on helping people through election season this year and all the crazy is the last twelve month. But aery, and this is like you're coming out party to the stalker. So do you still live in a van down by the river?

I don't. I moved three years ago and awesome. I lived an event for a year during the pandemic.

I have air conditioning now. It's really great. I have a dish washer.

awesome. But all jokes aside, living in event was quite a beautiful lifestyle. actually.

I was actually more stuff than what I was used to cause the previous two years, my wife and I, we were no mad across. We was in double in ireland. And so the van was actually more stuff than we were used to.

But now i'm not on the extreme side of fire movement of in the van and saving ninety five percent of my income. Now I live in a awesome place and awesome. And actually i'm spending a lot of money.

And now I just spent forty thousand years and a pick all court at my house. And if you play, but come on over, it's plays. But IT was a great lifestyle.

I recommend IT you actually you're in the van to shower, to sleep, to cook. And then essentially everywhere you drive us is your backyard. So is is pro.

It's so funny because I love following just on your ticket action, not just all of your travels and stuff that you do, the recent key auto videos that you've had an awesome. My daughter lived in japan for a while. I lived in a three room apartment for a little while.

After living for a long time in a fairly large house, we sold our house much quicker than we thought that we would. We did know if I would sell quickly. We couldn't move for another seven months. For seven months, we've lived in this three room apartment over a bud mind's deads garin IT was funny. Adrian, what IT taught me, I mean, I gotto believe that living in a vain and being a no mad taught you a ton about stuff.

Yeah, I do have a house and cars and stuff, but I still feel like i'm now more like an tention alist first, just a blind consumer. And I do feel still that the more stuff you own, the more IT owns you. I see people that have in the entrepreneur crowdie and also and got really nice cars and step in one guy particular part, just car.

And then I did a walk around and then I did a few looks back, makes I don't know if I didn't go anywhere, someone was going to just pop tire. And to me, I think of that is examples. I guess you do have a beautiful car, but you think you own that car. That car owns you.

If that is, how much of attention? Because Normal people, they just go to park and they walk to their place. So I I do still feel like I have that mindset also.

I think when we come from nothing, I came from nothing from my family that immigrated here, it's hard to then make the switch of like getting a survival mode by living small like you did, and living in the van. I think what's the worst case happened? I lost everything, or something did happen, catastrophic, I might control and actually had to go back and event by choice. I know that I lived, that I say, you know what, I was actually kind of beautiful. I don't know why i'm so fearful of of not having stuff, because actually when I did not have a stuff, I learned that was actually a beautiful life.

I reminds me that, well, disney story, where they're getting ready to open disney land, if you guys heard the story, bad, if you heard the story. So they're getting ready to open disney land. And he's in a golf car with the chief engineer, and disney could afford to pay most of his people.

He gets his deal with abc, so they helped under. He gets his deal with all these sponsors. They help fund IT.

He gets to deal with the engineering company. And, you know, everything's behind schedule to open disney. And the engineer's freaking out. And the guy goes, this is, this is horrible.

What if like, nobody comes, what if it's socks? What if it's bad? What looks at a major and dear point and goes, what's the worst that could happen? We will go bankrupt.

I've been back rupp, I think he said four times you've been bankrupt. E's like i've been back up up four times, is not that bad going to be were going to be okay. amazing.

You guys really with these harsh truth, you're talking about bread because really that is a hard truth, right? We could go back rub like things could go bad. But these hard truth you had really bad. It's not so much about, I don't know, I guess that is so much about heart truth that that really is embracing the reality .

that you own IT. Yeah, i've read other books that have more of a therapist sort of feel in tone, more of a loving, gentle, I care about your feelings and I do care about your feelings, joe. So feel free to tell me and have a good cry or complain about things.

But if you you're my client, eventually, after we got some of that out, I might even perhaps shot the door and make sure nobody hears this. And i'd be like, joe, what are you gna do about IT? And and really, it's a message of employment.

And so I can feel like a bit of a slap in the face, like if I was to call Adrian, to complain about my wife for a little bit, and he knows my wife, he be like Opera, that's so sad. And then he'd listen for a few minutes, go like, dude, so what he can do about IT fix this, this is yours to fix. And that can be sort of like a shocking moment for people, but it's so empowers.

And so essentially, these chapters are harsh truth. They can feel like a slap across the head. But the chapters are really meant to inspire and empower by sharing all the research that we've found and i've conducted on, on the second logy well and the mindsets of success.

And how can I teach my kids this stuff? I mean, this has been a lifelong journey for me. As you know, john is trying to learn what I can learn to climb the national economic latter.

R, I didn't come from anything at all generations of people who add nothing. So what what can we glean from these self made successful people? So I can teach my kids this, so I can integrated myself. And and essentially with this project, we're trying to teach as many people .

as possible what's the difference between being porn, being broke?

Our book, if you look at the titles, they sound really offensive. Like we say, if you want to get rich ah .

they're all slap in the face into bread boy.

yeah. So like if you want to get rich, you have to get right of your poor friends like that's when we ve got .

a lot of heat on just go with the ones they hated the most the most yeah like, oh, ton of people hate this one. So that's the chapter head.

I mean, honestly, engagement, it's like how to create noise and shake things up. And so that was one. And of course, at first takes a while, 应该 like what kind of person would say that。 But this is our definitions.

Poor is way of thinking. Rich is way of thinking. Broke is literally having no money. We've all been broke. And then rich is a way of thinking. But I had a rich mindset when I was broke, and that's why I wasn't broke forever. That's why was able to go from broke to middle class.

The first class, when I first started trying to ask questions, like, how do rich people react on money? What do they do with money? How do they think so? These are ways of thinking.

Has nothing to do with the quality of someone, es person, which is Priced. We're we're not shaming like human life as Prices. We're talking about the way you think and chAllenging the way you think. So what keeps people broke forever is a way of thinking and that having a poor minds.

I love that because, brad, you point out that being that is just a state today. Poor is and poor forever. I feel poor. My life is poor.

You guys point bread to this study that we hear over, over, over, right? This deal of I gets to seventy five thousand dollars, good and then there's no more happiness after that you call B S. On that yeah .

and and by the way, I taught on that for a long time like i'm really interested in the truth. I don't really have an agenda related to this, as I said, sort of open mind like I don't know and in that chapter, actually we have a photocopy of a journal entry that Adrian had when he was Young.

I made a note about this. You were thinking big aerion. You were thinking in huge. Well, he read that .

study and he's like, that's my target. It's seventy five thousand a year to be happy and blissful. That's my target. And so it's real interesting. I'm reading IT actually an Adrian at a Young age catching that going to oh, that's the target.

Essentially, all we did is we went back and review the research and there's been Better research that's been done that actually shows the line continues up. And I think IT sort of confirms what everybody ready knows to be true inherently like the the thing about that seventy five thousand dollars kts ever, everybody read that instead. That's B S, you know, and that's kind of what we've seen.

I mean, it's like more money can enhance your life. I can give you Better experiences. IT can lower your stress. And so that tend line continues, which is why we are strong opponent ents of becoming wealthy and encouraging people to become wealthy.

Well, to your point, I feel like ever since I I moved over from the financial planning side a long time ago to financial media IDE, I spend a good amount of my time refuting bs articles on the internet. Here's where you need to be by the time or thirty. Here's where you need to be when you're forty.

That's just garbage and your point, bread. I mean, Adrian, and you're looking at this study as just a Normal dude going, okay. Well, that's happy.

So here I am. So let me let's take a second and read what adin wrote. This was I couldn't read the date. The date is at two thousand and thirteen. You wrote this at the end .

of twenty thirteen. Yeah, i'm sorry, my handwriting so bad. It's literally a real image. But twenty thirteen .

so you wrote out your goal at here. Here's what a year wrote, everybody he wrote by the end of twenty and fifteen. I want to make sixty thousand dollars.

You wanted your online revenue to grow to fifteen thousand by the year twenty fifteen. And here's the big number. You want four hundred dollars in disposable income every month to live in travel and experience.

By the way, i've been there to me when I was broke. I mean, to me, these are attainable, realistic goals. But you guys point out, you like not to know.

I should have been thinking bigger. Adrian, do you think? Now, look back at past Adrian, you would have gotten nowhere. You were faster if these numbers were bigger than what you wrote on that piece of paper.

I do if I would have added another zero to that. It's not not saying that I would have hit IT, but I would have thought bigger, thought Better. And I feel like I was doing the right things as not a Normal twenty old.

I was spending my time reading all these financial books. And all these financial books says seventy five k making. That is key happiness.

That why I don't want to make one hundred thousand. I want to be twenty five thousand years less happy every year. So twenty five thousand hours is my goal.

And so I think IT literally brainwashed me to think small. When I started making more than that, IT wasn't like some moment of, like guilt or shock. I actually didn't even recognize that I was still happy.

And and as I continue to make more money, like you do have to consciously practice lifestyle design, when you make more money, you have more options and choices. I think I also could create a softness or addiction, because I always want to consume and get lost like an awesome texas in the entrepreneur unity psychodeviant s and drugs are actually very prevalent here. I would just went in event last week, I walked into a room with very successful people.

Accept in the room, everyone sugg about drugs. So like these people, like one guy sold the company for, like, a hundred million, and other person I know he does, like thirteen million year. And the other person I I don't know, I just know, is successful.

They have so much money. And now where can they get their budget joy from? They have to take drugs IT like x central self.

So it's like to me, these are signs of the problems of success. When you take on money, you start earning more. It's not that it's easier.

You just have more options. It's still up to you decide how you wanted live your life. And now, now you can live in a world without money constraints.

I think that's a blessing. I think we assume everyone wants to have financial freedom. But sometimes that freedom, when you get there, you like all my gosh, I have all my time now to myself.

Some people don't know how to spend that time wisely, because now, you know, have money problems. You have life problems. Yeah, I always spend my life.

What's the purpose of my life? How should I spend my money? And you can find good ways, and then you can find bad ways to do.

It's almost like when you look at langevin research, they say that like alzire, as I was been there, I was just always covered up because we die of other crap. First, right now we're living longer. And so now, once you have money, now, all these problems that you could have as a human being, you're experiencing those.

I remember tony Robin saying the phrase, one on seats like IT doesn't make life easier to except you can show up to your problems in a limo you want like that. awesome. Your second harsh reality you write, only poor people think the system is rigged and even bad. I look at that title and unlike well as a guy that started off at poor west mission ke and you're a poor mhic gi and my guy of bread started out like, well, we kind of all have different starting lies. So you're poking the bear.

their bread poking the bear. And I D like to blame all the most defensive titles on Adrian, because I would never say something like that. Joe, of course.

not throw one of the bus with the biker fox.

but I will say this. That was the mindset I had growing up, lower income, broken family. I felt like everything was designed against me.

And I know that I do have some privileges. I'm caucasian, i'm wait. I'm able body, and there's all sorts of privileges I had.

I didn't feel like I had any of that because I was born low income. And so i'm just going to tell you, my mindset was these rich people allowed to get us. They've designed the entire system so that we can never get ahead.

Both my grandparents on both sides, living in trailer parks for generations, no money. I was convinced, ed, the entire systems rig, there is no way for us to get ahead. All these people are keeping us down.

And by the way, if if that your belief, you'll find evidence for that everywhere, right? It's like, guess this system is not fair. The mindset shift here we want people to make because that's a very external low as a control thing.

We dive in to a psychology around that, that just keeps you stuck believing you that everyone else controlling in your life. The mindset we want people have is it's a game. It's a game.

So wealthy people are playing a very different game. When IT comes to investing. The poor mindset game is like i'm going to take a thousand books and I try to make IT into ten thousand.

You lose all your money and you think the system is rigged. It's terrible. That's the wrong game and not playing the right game. And so if you look at IT as a game, IT changes everything because you can learn the rules of the game. You should learn the rules of the game.

And we use the example of showing up to play football and having your pick ball pado with you, you know, and your ten issues and your short shorts, and then going out on the field and getting cloud over and not knowing what to do. And and here comes the foot on you try to wack IT with your patent and then somebody blows the whistle on you and you lose. And it's like, well, yes, you you showed up to the game.

You didn't know the rules, you didn't know the culture, you didn't have the right equipment and you had no idea what you're doing. Of course, IT feels like it's right. The mind said that it's a game. IT changes everything in your life.

because all you got to do then is figure out really what the game is. An atter umbreller talked about lifestyle design, and so learning to play the game, I feel like, might be the basis of where this lifestyle design starts. Where do you begin by playing the the rich person game? What's a part of the rich person game that will flip some of our starkers from the poor person, the rich person? Again.

this makes you think of like we poke fun a little bit at the fire moving people where they make such insane sacrifices that they forget to live. God, just think of my parents specifically. But it's not just them like when they actually do retire.

It's like they're working almost full time with the income that they've investigate in the day, right? And now they struggled spend money and they still like my data as as a person trade. Like when I try taking a really nice restaurant, if it's over one hundred dollars, it's like how was the food? Expensive doesn't matter.

it's just a trigger.

Is still Operating at the standpoint from thirty years ago. And honestly, if you have advice on this, I know probably lot of people need to hear for those that are at retire age, one thing i've learned from them, as I need to do things today that make me happy and spend money as well. I've did all the right things of any dead, and and i'm investing, and I allocate average, are doing all the things right, all the tactics.

But another tactics is what makes me happy when I spend money. And typically, those things are impacts, giving back and experiences. And that's why, like you mentioned, killed.

We were in japan for a few months this year. We travel and play, pick balls like these things make me up. I'm trying to spend my money because now my parents, like at this point, they're going to leave way too much money. At first I was saying, if you leave me enough money to buy ten lamborghini es, i'm going to just bloat all lamborghini es and they still in change so then I was like, okay, here's what i'm going to do. Have much money, leave me.

I want to donate to the opposing political party that you guys don't like as a as a funny joke, right? And i'm just trying to say, like, do not leave me money like spend your money you work for, you earn for IT. I don't want IT, so i'm trying filling of fear, but yeah, we have to live, we have to spend money also. But I think what you're saying that.

Adrian, is that I think for most people, right, we blindly spend money like we just go and we spend money and we don't even really think about IT. You're saying with start with what lights me up and then spend money on that stuff like you've a tiktok video about making a list, make a list of the stuff that light you up, right? Start there and then give yourself permission to spend money on those things.

I think that's great. When I was living in dublin, in ireland, I knew I was going to live there forever. I'd love walking to different cafes.

I spent a thousand bucks a month on coffee. That's the most i've ever spent on coffee. But I was like i'm here living in ireland.

I'm not going to miss on this opportunity. I was happy to spend that money, and i'm glad I did. IT wasn't sustainable.

It's not my Normal coffee budget. It's ridiculous. But IT may be happy. So like, that's an example, like you should find something that makes you happy, and if they cost money, spend IT.

you know? Yeah, but if you just blindly spending money on coffee, you really don't care, then it's just a ways. Bd, D, I want to ask you about two things here. You guys really not just with this point about learning the rules of the rich game, but I think all the way through the books, you you really make a point to talk a lot about automation. I feel like automation, parada is a huge part of the rich person game.

Yeah that is a huge check. And i've included IT in many studies we've done to get people to save more and invest more and grow your network. And so the concept of spending to enjoy today like first of all, most americans should stop doing that.

So because they're doing that and they're not doing what they need to do before they do that. This is how I try to live my life, too. So you identify your top financial goals.

And by the way, when we had people do this. In a study, they increased their savings by seventy three percent. I took going through .

this process that includes .

three per seventy three percent after one hour jaw of doing this. So this this is the essential process. We have people identify their financial goals. And so by that, not just a retirement.

It's like, no, where are you? Close the eyes. Who are you with? What are you doing each day? How does that feel? Are you on the beach? Where are you? You know what type of house do you want?

Draw picture of IT like get really, really visual because that is how we make our decisions around money and that's why we consume right now. It's like everything smells so good, takes so good this way. We're wired to human beings. And so you need to get really excited in a clear vision of why you're going to be making these sacrifices to begin with. And then another really important step is to name accounts after those specific goals.

And this helps the the money IT connects the money in the emotion to the account because if you have a quote savings account or a quote checking account, you're doomed um because what's gona happen? You psychologically IT happens me all the time. I look at my checking count like, oh, we have twenty thousand dollars in there and subconsciously I now feel rich and it's like, oh, i'm just i'm gonna overspend and and i'm a psychologist and I studied this stuff for a living.

I'm just absolutely gonna spend. So what you need to do is identify those accounts. And then and here's the key, by the way, your gym membership does this to and everyone can relate like you, you get all excited about this vision of your body.

You want to, you know, get into the german workout. So they're smart. They automate your movement from your checking account into their checking account. And what happens is the status quotes as kicks. And and you're like, first, all IT takes effort to go change IT, you're probably not going to do IT. And then you also have to cancel this vision of your longevity and health and that beautiful muscular body that I see you have, joe, right now that i'm .

inspiring to get you have out exactly.

Do you have to like say, I don't care about that anymore and it's like, wow, we don't want to do that so we stick with that gym membership more this is taking that state of bias, applying its your own life by sun's name is even and it's eaten college fund and i'm automating every month money that goes from a checking account into that account.

And I got to tell you, joe and I look at IT, i'm always shocked them like a camp for much money is in there because we've been having to going for years. I will never ever go into his account and take money out for anything else i've already identified. That is one of my top goals.

I'm not going to go spend that on a car. Are you kidding me? Or a vacation did not, doesn't come in in my consciousness, that is the hack that wealthy people use.

You pay yourself first. We live in a time now. You can automate IT. You don't have to sit down and right to check each month because that you will not do that. You're gna blow that up.

Clear, exciting goals, the future, name your accounts after those goals and automate money movement moving to that. And then than the big part of my life, growing up lower and common, being ancient about money has been the lifestyle design. So now you have this bucket of money.

Whatever is now, your job is to try to enjoy your life with what's left over. And that's an exercise for some of us who in the fire movement, some of us to grow up poor. We have a scarcity mindset.

We're afraid it's really good because you'll have a higher network because of IT. But also, it's a terrible kind of way to go through life isn't IT go out to eat. You have some money there because you're taking care of what matters first than you automated.

Let's keeps this on the fire movement for a second because another thing that I read in fire movement forms all the time is fire the experts. They're costing you money. You're smart enough to do this yourself, which I think bread in your, shake in your hand, which is why you and I have such a loving relationship.

But it's want to ask you right now, and when I was a financial planner and is not just hiring a financial planner, i'm not you worried about that. All the smart people that hired me surrounded themselves with smart people. Like when I see smart people, they surrounded themselves with smart people IT just seems bad.

Like such an IT isn't about being smart enough. Of course, you're smart enough to do your financial plan, but it's almost like the millionaire door in the habits. Like I look at the habits of really great people, they are around themselves with great people.

It's such a big problem so that we named an entire chapter after IT. And the way that we titled IT was only poor people are afraid to ask for help, and we're trying to do an intervention on you.

And and part of this comes from the studies that i've done like we find that ultra high net ks significantly more likely to humble themselves and saying, like, look, I don't i'm not a financial advising expert, i'm not a i'm not an attorney, i'm not a cpa. It's like, of course, I don't know any that stuff. I spend all my time executing on crushing my Candy eating during halloween, which is your expertise I see on your handle there right now.

So that's what I spent my life doing, making these widgets, making money. That's what I do. And so they outsource, I call IT do IT yourself ideas, which is a low income middle class mindset.

And by the way, it's essentially got to do IT. You know, your car breaks down. You fix that.

I mean, it's a farmers mindset. This is where my my dad came from. My aunt did everyone's taxes, you know, in the entire family because he had a semester of college.

You've got to get out of this mindset that because IT creates a ceiling for you, you just don't have the expertise. And so the first time I actually paid for c pid. Do my taxes that cost me a few hundred.

It's saved to me thousands of dollars. That was the most amazing thing. And so people keep themselves stuck and screw themselves over because they are either too private to met, they don't know what you're doing or they have this misperception that is gona cost a bunch money.

It's really not going to cost that much money. You don't have to have these people as staff. You can just actually pay for an hour of their time until you can hire them in a more formal way later, but ask for help. That's what wealthy people do, and IT will help you get there a lot faster.

I think joe yun said that we are smart enough, but I know i'm not smart enough. And I think actually, the promise most people think they're smart enough to do IT all on their own. We're overconfident. Yes, we're overconfident. And I do want to point out the positive to the fire moving in this and chAllenging the status because we could say not all the financial advisers are created equal.

You know google searching what is a fetish area and like what's the actual just salesmen selling your proprietary funds have high and like those things do exist, but it's a level of getting delicia enough to know like who you're working with and trusting them that they are actually doing good job. You don't just want to be blindly outsource as well. And I think that's the positive thing. But then also, the fire woman tends to take everything to the extreme. So like, don't ever ask for help, do all your own, you don't need anyone and that's terrible advice.

Yeah, i'm glad that you said that because I think that and smart people in my phrasing is super important. And I ever I thought about that adada to, he said that I said, smart people surround themselves with smart people. And if you just go higher, some person and you don't do any true, do diligence, you can tell when somebody's bs and you like your bs meter is strong, like not all the time.

I mean, birdy made off, got away with IT for a reason. But still, I think that using referrals and the power of the internet and knowing people's background and where they are from, who they surround themselves, well, the licenses that they have, like you can figure out who the smart people are in your community. I remember reading doctor Thomas Stanley books.

Second time I brought IT up. Now, you know, the millionaire next door. There were couple books that came along with that that are far less popular, called marketing to the affluent and networking with the affluent.

And one interesting thing about millionaire, and brad, am sure you probably have studied this before two already, is that millionaire work on the referral system. They don't have time not to. And smart people know smart people.

So I feel like if someone's really rock in starting off asking them, who do, who do you use? IT might be a way to get rid of some of the shysters that that I feel like her in the game. You must begin the third truth that I and I want to end with this activity because I love this activity and stacks ers, i'd love for you guys to do this with Adrian and brad ni.

You ask us to take three minutes. So we're going to have you pause the podcast here, take three minutes and right down everything you would do if Adrian and bread gave you a million dollars right now. So pause the podcast, take three minutes, and at least think to yourself, for a humans, what would I do if adin a bread hand? Million dollars right now are right all right.

Now i'm going to assume that you did that bad. What are we hoping the stacks ers did? Because most of them probably did the same thing that this is funny, because I did IT most of them. They did the same thing that I I did when you heard in me a million bux.

yes. So we take a real hard line on this because we're really want to anchor in the rich mindset, the poor mindset. So first, while we just made you a millionaire, okay? And and so what the poor mindset does is IT immediately starts to unwind. Your millionaire .

is exactly what I did. I immediately started online .

in this thing and so the poor I said is which by the way, most americans were consumer focus is like, oh, i'm to buy a car and to buy a house um and you're not selfish you know you going to buy house for your mom you'd update your mom basement so we could do some work around here if you don't be same. Um i'm going to go on a vacation with my family. I'm gonna have these great experiences and then bo bop.

And in my mind, i'm pulling out of caller and my book. Okay, now you have a one hundred thousand dollars, so now you're not a million anymore. I hope you didn't swear your boss on the way out, because now you can never go back in a bag through your job back because it's all gone.

We are just proposing that that is a poor mindset. And here is a rich mindset. Oh, by the way, one to hear the time is am an investment of business.

You know that all that sounds so great. Oh, yes, you're going to go take this money and invest in a business. Hey, most businesses fail you. And since you haven't had a success.

i'm going to open a restaurant.

I've been to open a restaurant. Yeah, nothing's gna go on with that. And by the way, to the confidence saying people dramatically over remate how their restaurants going to do, we'll tell you that the industry is only thirty percent survived.

But me all, i've an eighty percent SHE. By the way, there's been studies that have been done on that. We have this overconfidence voice, but essentially, you're going to be broken. And so here's the rich mindset.

The rich mindset does one and only one thing IT takes that million dollars and invest that million dollars and then using the four percent rule as an example, they take out forty thousand dollars as a year for the rest of their life and with that forty thousand dollars a year, go have a business that fails, go put IT all into um soon to be failed business and maybe do that seven years in a row until have a successful business, go on a vacation, save up several years of that forty thousand hours, put a down payment on a house, use that to enhances your life like the out of rich mindset. So like no and to let IT ride. And then you know, in ten years now, you ve got several million, got seven million like that and you can just grow IT exponentially. That's the mindset we're trying instilling people because we automatically go to the default of how we're going to spend IT, and that leads to you having no network .

essentially IT was funny. I know what i'm doing. And you slap me across the face, which is, this book is twenty one slabs in the face.

It's like hammer reveled IT on IT. The book is called start thinking rich, twenty one harsh truths to take you from broke to financial freedom. And it's available everywhere.

right? IT is, I do on imation one last thing, so you can, you can get the book anywhere. But we did actually have a special link.

This is a way we can say thank you for us being on here and to your audience. So after you get the book, where would you like to get books? You go to start thinking, rich stock com slash joe.

And then that has like a lot of extra bonuses and resources. They are completely free. You can start tha rich as fast as possible.

Sweet, you know, we'll do if you're out, walk in the dog away from your computer. I will just lead to that on the shown note at back in bedpan 点 com aerion。 Great to meet you.

Finally, man, i've been following you for a while, and so great to me bread, great to see you again. Thanks for being mentor's to our stacking ers today. I super appreciate .

you both super asked to be here happiness.

Hey, there starkers. I'm jose bombs and neighbor duck. And how about those guys on Adrian and actually makes living in a van down by the river sound exciting? Speaking of exciting, another famous duo, the beetles, were first mentioned on U. S.

Do do you just got the beetles to do well? Oh yeah, no, there there's four of me.

a plural .

check me in the middle of all. Agree, that was I looked just palma cartney and ringo star.

Okay, you keep go in and then maybe look up again during the break. Continue, i'm sorry.

art creating art here. As I was saying, the beetles were first mentioned on the huntly prinkly report, a new show, and very soon they were all over american radio stations, dominating the landscape and bathing in Benjamin or amErica quits. Guest, here's the question.

While they were first mentioned by huntly bRicky, what showed did they first appear on live when they finally came to the USA? I'll be back with the answer right after I explained to go through that. When I said yesterday I want to hold your hand, I was telling her my favor. Beetle songs not given her a pickup line. I so much Better pick up lines than that purse to the head really hurt the go to unnecessary.

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This show, sponsored by Better help this month is all about gratitude isn't IT. And along with everyone we're thankful for, there's another person we usually don't think enough ourselves, sometimes harder, remind ourselves that we're trying our best to make sense of everything. And in this crazy world that are easy, well, Better help can help with that.

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Hey, there starkers on the gut neighbors call, hey, dude. And whose? Wondering how much Lucy diamonds are actually worth jose moon's neighbor deck. And this is actually a little bit awwa, and I want to disturb anyone.

But IT does turn out that the beetles war cortex with these two other guys, besides paul a cartney y and ringo star, their names were apparently john leon and George Harrison. And turns out this is awkward. I hope everybody set down.

They know a duck. They ready know?

You tell me, me.

They already know. They know they .

know no okay um well, under the tree, I guess what TV show were the beetles on when they first appeared live on american television quest to get all of the Benjamins in their pockets. The beetles appeared on the ed Sullivan show. And now because we're moving on, it's back, did you? And og.

oh, man, I love how trivia a time is. Doug's history lesson is a good, good history lesson. If only the beatles have been more popular.

Dog, you might have, might not know. Actually, they could have been a wasim. Maybe, maybe they could have gun as famous as a wasis. I feel like somebody is said that at one point, big thanks to bread in address and you know what? Og, very seriously.

I mean, you know for me having a guy like a gordon rams e type character in my corner, where they know like on that show, what I was like about gordon empty these old kitchen shows is that, you know that you want a restaurant to succeed. You know, his goal is that the customers get a Better experience and that the owner makes more money. So when he fights with them, I mean a good fight.

It's swearing at them from a position of love. He totally.

absolutely. And Frankly, Frank anian soup IT socks. You've gotta get IT through their heads of times. And you know what, i'm a guy that responds very well to that type of coaching .

over the .

years and coaches .

just that down for future.

I shouldn't told him that, tuck, let's walk that back. How do we walk that back? But IT is true. You don't want your coaches to sugar code IT. I mean, to some degree, they're have involved on hamerton g, but they do have to tell you and you said this before he, the matter matter.

I think part of behavioral coaching, whether it's for finance or high school football players, is to understand the audience. And there's a time in a place you know and you could think back, obviously, do you an athlete dug you an athlete in high school and it's like there is different times where you can probably remember where the coach missed the mark, right? Or it's like, wow, kind of exploded out of nowhere for that.

You know, that didn't really check with where we were in the seasonal in the game or in practice or what like. That was odd. But then there's a time where like snap in the board and throwing the headset that like checks with the the energy that the team needs right .

then to go .

your heads out of your behind and tackle somebody you know I mean like or whatever like. There's a time and a place for throw in your headset and snap in the clipboard and there's a time to say, I know you're trying, I need you. You know of me, like canna, dial back can be a little bit different. And the mark of a good coaches is knowing when to have those different uses or when to pull those different narrows maybe and say, you know, this is the time to have a little bit more of a tough love conversation and not everything's fine conversation and especially with money. It's I think one of our obligations that we have to client is to is to really not sugar code, but also give them the confidence that they can achieve whatever is that they are trying to achieve.

Maybe with some slight modifications because at the end of the day, would you rather be mad at me or would you rather run out of money at a two? And it's like if I see that, that's the pathogen, I owe IT to you to say, I just don't think this is gonna work and i'm concerned about IT. And maybe I have to say that a little bit more forcefully or snapp more clipboards or maybe it's a little bit more like you said, well, vit, but at the end of the day, the message has to come through of the same working, but it's fixie.

We have to do something about IT. This isn't just like, well, we try we gave you the old college try wishes. Guys, good luck.

We have this information. It's not going great. Here's what we can do to remedy that. And that's that maybe what breads going after here.

Even if you're not a sports fan, I think you'd look at some of the great coaches. But you just because they are in the spotlight and you see them all the time that actually looking at some of these good coaches, you can see what a skill set IT is. Og, to kind of thread that need to, right? I don't want to push people so far that they give up.

They don't have any hope. But I also need to push him enough to realize that what IT takes to succeed is inside of you. And that is such a tight rope.

Let's hear a master of this. One of the winning is coaches ever in, uh, in football, uh, little guy, by the name in next saving. Everybody would like to be successful.

Everybody's not willing to do the things you need to do to be successful. You know, we had one speaker come here. And so the biggest tiger, biggest tiger i've ever seen took up the whole screen.

He said, everybody wants to be the beast, but everybody want, don't want to do with the beast. Do so. You want to be the beach to what the bees do. I think .

I you want to .

be .

to be. I was nick .

and I was nix saving. If you want to be the beast, you got to do what the beast do. Yeah, think that's an important lesson.

You said something about snapp and clippers. And I just remind of me at time, I was coaching baseball and watched the coach across the way, and the dugout was really dicked about something. And he tried to snap his clipboard and he forgot he was an old school guy.

IT was a plastic clipboard and .

he didn't work. And then he was like, I am snapped in his clipboard. And he just tried like four times to get this thing. And then finally just throw up to the end of the dugout. He was a guy who was not adapting to modern coaching well.

And again, there's a lot of risks with that right in using the sports. And logy, if going too far with that right, he turned into like the petley child, you know, and then everybodys role in their eyes. I mean, this is dear point.

So IT is a very fine, fine line to go. Here's the energy I need to put on this to motivate you. I think the best word that i've ever heard of this is called productive tension. You know, if your tension is really low with something you're not likely to do anything about IT, if your tension is really high with something, you're likely to do something. But it's probably not going to be the right thing.

It's just going to be a thing to get your attention back down again and to kind of manage through other people their productive tension to get to the point where it's like I need to make a decision and I need to make sure it's a good decision and I need to follow through with my decision and I had need to have a lot of energy and output relative to this decision. That's like this part of the whole curve. Everything else around IT is an apathy. And I don't feel like do anything or i'm so stressed about IT, i'm just going to do anything and that I can be good either.

I love that phrase. Productive tension. Thank you. I don't know if you just made that up or not, but that's perfect to reminds me of a of a harvard, harvard business review article I read a long time. I god, maybe twenty years ago, if i'm not mistaken. And I think the title of IT was happy cows don't make more milk and they actually did some studies to look at comparing like free range cows do .

the one Better in the books, more milk.

There are findings were that they do not Normal just because there's no stress or less stress than that. They're just out roaming around the pretty Green pasture. They don't necessarily make any more milk in the ones that are in the higher production facilities and that some, in fact, tire production facility because who have some stress make more milk. So there is some value to that stress.

to your point, dug, this is another coach. This is two cute diversities women's baseball coach, cara lain, making, I believe, A A very similar point.

IT will never .

get easier.

What happens is in pandoo hard, Better. That's what happens. Most people think that it's going to get easier.

Life is going to get easier. Best people is gonna get easier. Schools going going to get easier.

IT never gets easier. What happens is you become someone that handles heart stuff there. So that's a mental shift that has to occur at each of your brains.

IT has to, because if you go around waiting for stuff to get easier in life, it's never gonna happen. And then what happens is so hard. I can do IT all this. I don't know when is that going to be.

but I can take the music in the background. I'm sorry, just that music absolutely killing me, but I think they make a good point. Og, which is, I mean, think about IT from a strategic perspective.

If I focus on the fact that life never gonna easier when IT does get easier, which IT does from time to time, it's like this huge blessing. Where do you sit around waiting for you to get easier, to get hard? You're never going to accomplish anything that makes very congruent with what braden ador we're talking about.

You're born poor. okay. That your starting point, joh, hot bright, is the same thing when he was on the show.

You're born poor. Yeah, the starting line is not the same. You die poor.

That you here's a great one from a georgia tech strength coach for doing like little videos.

S of moderation, motivation monday know about winning before you chase IT winning. How loyal to you IT doesn't care about you winning doesn't care how sorry you are winning doesn't care how much sleep you get when IT doesn't care how hard you work at times is sometimes a guy doesn't out work you and still with IT isn't fair, man. Sometimes there is no justice when he requires all of you, and then more and IT promises you nothing.

It's a masterminded, creating fear and down your mind. IT caused a setback after setback. So the question is about winning.

Are you willing to spread when the distance is unknown? And why chase the thing called winning? Because the only thing that's grantee in life, if you don't chase IT, is losing.

You know, IT is interesting that what I like about what he's saying their og is chase and appreciate the input, right? What you put in the output isn't guaranteed. You don't know that you're going to win.

Life can still conspire against you. That's fine. You see these people that get all focused on that outcome. And when you focus on the outcome.

you're gonna lose. Just will. It's not outcome driven. The seminal book on this is George on his book of mastery. And the whole idea is that growth comes in like really short periods of time, and everything else is a plateau.

And you just have to enjoy living on the plane, you know, because in every single salita thing, whether it's money, whether it's relationships, whether it's health and fitness, everything is just basically seemingly a straight line. And then all the sudden, all the effort produces a result, like years worth of working out. All the sudden the body change happens.

Or are years and years and years of saving through the two thousands? right? We go about the investor that started, started third graduated college, this guy in two thousand.

And right, live in the dream, all investing through two thousand and two thousand. Ten, just a play toe of nothing. And then when did all the girl's happened? Twenty ten to twenty, twenty? You know, all the results happened in that ten years from the ten years apply to.

I think the biggest lesson, if you want to be the beach you got to do with the bees.

do got to do what .

the base do. Think that's IT.

Let's go to our headline. Hello, darling. No, it's time for your favorite part of the show. I was stacking the headline. Es, our headlines today comes to us from lending tree.

Well, of course, not only does lending tree loan people lot of money, who got people with loans for lots of money, they also tracked out that data. Jimmy kage wrote this piece, and by the way, thinks the stack or Scott, our friends, got carson for pointing this out. Jammy rights deckt unlock dreams like becoming a Howard or funding a world class color education.

But IT can also drag americans down. According the latest lending tree study examining non mortgage debt across the fifty largest us metros. IT is you guys picked your your number one debt ridden city. Og, you thought I was.

I said rally only because of Young people and medium cost of living dog.

You said Austin, texas to come.

Just so many people moving there who have to sort of I don't want to start over. But when you ve got a big influx of people into a place, there are probably there's a lot of purchasing and going on things for the inside of their home that they got to put on credit cards to furnish these homes, they might be getting new vehicles. So I just saw a lot of that migration inspired debt.

I drum al guys, the most debt ridden city, not counting mortgage debt, is. Austin, texas, am number one, doug nails.

Did you think the people can hear me gloating?

Average resident dug, to your point, nearly forty six thousand dollars. This is troubling to me. Og, because we're going into holiday season.

These are the months, november, december. These are the months when people accumulate credit card and non mortgage debt. This is the dangerous time last in texas. You are ready. Number one, by the way, number two and number three, cities also in texas, saying, antonio, trying hard to keep up at forty four eight, forty four thousand eight hundred. Houston, texas is third at forty .

four thousand.

You ve got what's so .

houston isn't on the other side.

yeah. So we really knows he lost the other.

I lost that one too.

Yes, he did not believe this .

is santa ono and Austin like just one big mega x mega burb. That's one giant city. Are they almost connected .

now very soon for .

people that don't live in texas? sure. no.

But I think there's talk about that like they're both growing so fast that and there's just going out that I realized there hours and hours apart, but it's like there's less and less just texas wasteland between them like .

they're used to be wait, it's called .

hill country dude, settle down. It's actually quite nice. And Austin in santonio flatland er like me appear and dallas when you go down to go wow there's like to be so creating there's hills, my goodness, hiking. What is that .

rear island we can.

That's where they filmed, mad max. That area between the new Brown cells you .

thought .

of shade on the caves and new Brown fells that that's a cave situation. And there's pretty cool.

doug. Think it's the american outback. So pretty much yeah yeah.

Last a kite or at least .

debt ridden city. Oh, my good. Did you just make a reference? Ninety, eighty four.

Yeah, you set out back. And there's only two things you think, when you say are three things. Lemon, I lumina p on the body. And now that's a knife.

Fosters.

that's not a knife though. This is a knife.

Cricket that held dd reference, wow, like ah g Young enough, he has no idea.

Tell you talking about, I know course.

Alright guys, at least obviously og had IT wrong. Get this guys, if you thought of the state least likely to have the least debt IT would be california, california, number one city in california, with the least amount debt, sano z california, twenty six thousand seven hundred second, much more what we would .

think of hold. Did you say the least amount of debt is twenty seven thousand dollars .

non mortgage debt .

per person per capital?

So basically even the best city is really bad.

That is.

that is too. There is not a big difference, I got be honest, between having bending credit or debt before. There is not a big difference between me and twenty thousand and seven.

Like if you're twenty seven, not go to forty, let's go to me sist.

let's be. I wouldn't be celebrating if I were you. In sano, we only have twenty seven thousand.

And and in santo, say the average otto loans about ninety five hundred, student one five thousand dollars, credit card debt eighty two hundred, and then person loans about three thousand.

Mean, the thing I C O Z has obviously the economy, right? Lot of about a tech jobs there, and big money. But well.

and get this, this is funny LG. That is actually the big difference here. You know where I said that santos has ninety five hundred for their car Austin, texas, seventeen one yeah keeping up with the people that weren't .

all drive and f three fifties that are lifted .

in Austin either or you work for a tech company in your drive in the the bmw to work student allowed that eleven one versus only five thousand, but the credit card debt, nine thousand dollars, a credit card debt in auto and eight thousand and sane, O A IT is .

your car in .

your college.

But I want to with the income .

differences between the two cities because .

we're both heavily textually .

different probably.

So what's the difference? You've got silicon valley, the old silicon valley and see hoog. And then you've got new silicon valley.

apparently. Difference is car payments.

car payments and student loans.

I actually believe that Austin is more diverse in its economy than just tech. IT absolutely has become a new tech destination, my new tech. But you know, companies have moved there or new tech respond there.

But I think that place is so huge that, that economy is far more diverse. And so I think that probably is driving IT. It's not just super rich tech us the .

least non mortgage debt saying was his number one lul makes more sense to me as number two, mile Walker, number three, smaller cities a little bit, I would think more reasonable cost living overall this .

far goes on that list somewhere.

say, I don't get, let's go to, let's go to the list. The top ten, Austin, number one, saying tony, number two, houston, number three, miami, in, number four at land and number five, dallas, number six. Then we get all the texas cities in the top six, where a number one, where a number one, or linos, number seven, dc, number eight, riverside, california, number nine, and tampa, number ten.

We go to the bottom. Sanok, number fifty. These are the top fifty cities and states, forty nine, level, forty eight, malachi, forty seven, seven ford, cisco, forty six, seattle, forty five.

brother income.

forty four, kansas city, forty three, detroit, michigan, forty two, new york, forty one, solid city.

Well, either way, all these people are making a crap of money or not making a crap load of money. And at the end of the day, and I got the same month of debt problems IT just goes to show you can't out earn chattie. I said that a habit, right? I mean, it's like, well, if I just if I could just make one hundred thousand others more than my life would be great.

Now we have all the evidence to suggestions, a bunch of people doing that. There's a bunch of people in sanaa that make one hundred thousand dollars more than the fine folks in moai. And guess what, they have the same credit. Or dad.

i'm going to anticipate some stack kers out. They're thinking, hold on because I just got done listening to you guys a couple of fridays ago talk about how there's only so much you can save and adjusters spending. It's time to think about increasing your earnings.

And yeah, you're definitely have to increase your earnings, but you have to have a system behind that. You can't just keep on earning money without any good behavior. It's like terrible giving. If you don't give five percent of your income when you make ten grand, you're not going to give five percent of your income and make one hundred or five percent when you make five hundred, like nobody does that same thing of saving. So if you don't have the system, you skirt og.

I think what you're trying to say is making more money only makes a difference if you're writing that gap between what you make and what you spend.

If you have the same behavior and you keep on adding more fuel to the fire, you're just can have a bigger fire. It's there's neck. You have to have a system around your saving and spending if you're just taking if I just made to live IT more money, life would be great.

We have all the evidence to suggest that, you know, the fine folks in mowcher probably make fifty one hundred thousand dollars less on average. Then the fine folks in and is a and they have the same amount of debt. So you still have a good system, otherwise you're skirt .

I love that making more money is just gasoline on the debt fire. If you don't know how to how to control IT.

which is why I i've never strive to make more fun.

That's a reason to that. Even try quarterly .

self preservation .

this horrible hard past.

It's n it's a Better of bond fire. I even bonfire where they are going, you wish put a car in there.

i'll see what happened, right? I I went to missing in state. We're good at that.

We want a basketball game like in on fire. We lost a basketball game.

liked fire. We will dive more into this in our news letters, the two or one tomorrow, where we dive into all the great topics that we talk about here on the show. On a deeper level.

The two a one is chockful of links and resources for you to get ahead financially. It's the natural one. Two punch behind the show.

Bridgman stock on slash two a one gets you there, always free and always pretty brilliant. Kevin baillie does a fantastic job of that where so probably does such great work. Hey, let's transition over to the book porch guys because our hr guide is live. Dug is live.

It's a live like Frankie stan thing.

That's right. Yes, with some jumper cables .

on each side of the P, D, F document.

that is about what IT took because I think we said I was going to about about a month before and actually keep we father like. And nobody get out to jumper cables to get this thing going. The average person changes jobs every four point two years. The government changes the game on you as well.

I mean, when I started, there was no ha, there was no fsa, there was no rough for one k and if the government decides to leave IT alone and you stay with the same company, you know who's going to mess with that? Your hrb managers going to mess with that. Oh, I think we can find something cheaper or maybe something, quote, Better, whatever IT is.

We've got your back with the stacking Benjamins read this before choosing your benefits guide. Stack, edit stack, come slash benefits check IT out. I'm super, super excited about IT, and I know that you will be too when you when you see what we've got for you.

But if you're not here for Better benefits, you're not here for to find out that people in Austin, texas have more debt than people in sano z. You're here because you need your plan to duv taye Better than IT has og and a team or taking clients. So head to stack edb in stock console.

Og, schedule a meeting now into twenty twenty five. Be one of the first to get on the calendar and twenty twenty five you want to make sure you do that now. Stack eban stock coms flash.

Og, all right, that I think gentleman is going to do IT. Man, certainly episode today, not just og, salty is but bread. And Adrian, Adrian wasn't that salty, but brad can be a little salt.

I choose your hard dug. If you want to be the beast, you gotta a do with beast. Do, do the beast. Is that eric c, take away. Now you don't.

So they get that right.

Do you like .

the beast?

Maybe OK or dug? Get us out to hear. quick.

So what's dacke up on our to do this for today? First, the exam advice from bread and Adrian. Maybe the best advice is a virtual slap in the head from someone you know who's got to your back.

If you think you could be doing Better, find that coach. Second, while G, O, arbiters can help you control cost, so can just focusing on those things you value and only spending money on them do both and you're ahead even quicker. But the big lesson.

don't ask joe mom .

about the beetles. SHE says there were actually five different beatles, some guy named pete to go along with the four beatles. SHE said, too many other Browns, not a main. Thanks to brad.

Closing address if brand b laugh for joining us today, you'll find their books start thinking rich twenty one harsh truth to take you from broke to financial freedom wherever books are sold. But also enjoy links in our shown notes at stacking Benjamin dcom. This show is the property of sp podcast L C copyright two thousand twenty four and is created by joe s.

Hi joe s. Help from a few of our neighborhood friends. You'll find out about our awesome team. It's stacking Benjamin dotcom along with the show notes and how you can find us on youtube and all the usual social media spots.

Come say hello, oh yeah and before I go, that only should you not take advice from these nerds, don't take advice from people. Don't know this show is for entertained purposes. Only before making any financial decisions, speak a real financial adviser. I'm jose mob's neighbor duggin. We'll see you next time back here at the stacking Benjamin show.

Og gc the movie brookland nope no S. Could you imagine dug gee soberness lin.

right? No.

he never sober. klin. What is fantastic tic film about an irish woman played by I can never pronounce her name?

And for below the number of ways .

the least, pull back the curtain for a second. The number of ways dug figured out how to pronounce Adrian's. Last name is embarkment.

Absolutely remarkable. Play embark able. Her name was a, she's the irish actress.

The source roland is source y. roland. Yes, she's the main character in no, this is set .

in the fifty SHE comes over on on a boat. Yes, I did see that movie. Yes.

new movie by the same people that made that the same director, same group. We live in time. IT has been a horrible year at the box office, just not even a bad year. I mean, just warm. I still feel like movie theatres are still reeling from from covet because holy cow had the movies were bad like him.

like they just put all the energy into direct to consumer toddling. Now like if there's going to be a movie, it's like why try to tell the story in two hours? I can tell IT in eight hours, and I get people to subscribe the apple TV for two months to watch IT or .

one hundred percent. We can get them to get a prescription, a subscription, get person, yeah, I served going to diagnose you. You need to binge everything and deflect in this movie.

Andrew Garfield plays a guy who's just coming out of a divorce. FLorence pew, by the way, both of these actors were academy award nominees. So you might know under Garfield from he was one of the supply of an yeah forests pew.

I had never seen anything. He was in little women here really like that. SHE runs over Andrew with her car just after he signed his divorce papers.

And IT is the story of their life. You find out very early the movie that he has cancer. And so this is not like a happy skip movie, actually is happy.

And a lot of places, this is a story about these two people that keeps going forward in time, back in time, to show their relationship. Developing guys has been a bad here at the theater, but this was the movie I needed, character driven. Fantastic story about the two of these people than being in love, than fighting.

It's a movie much like brookland dug. You laughter, you cry. You're like, very, very tight.

Film was great to finally go to the theater and see a good movie. We live in time. Dug, I think you'd like IT.

Og, I think you'd like IT too. I think you'll never see IT. His life of relationships, hard path.

disgruntled wife runs over husband with a car. He's like.

close to reality, not to know that party's likes. But then he heard that they actually in love and he's like, go past, wait a minute. Is there obama in the movie? No, no, I still want to go see. I really want to see. What's the one about them choosing the pope?

Oh, right. It's my clerics. It's, I think it's first .

with the sea can clave. And the rotten tomato score on that movie is off the charts. Of course, this a problem living in texture cana. I got to drive this report to see IT because for some reason .

we've .

decided I get to drive. Thank you. I got to be more positive. I get the opportunity drive because cinema's strike .

through the wasteland from text. I can at a three .

well starkers the fun maybe done on this episode. But you know what? The mission is just beginning, because now you got to do something about IT, so what aby federal does, and navy federal credit every day, and name federal credit in proud to serve the military community for over ninety years.

In fact, navy federal sers more than two million veterans every day, forty five percent. Their employees are tied. Recent the military.

So navy federal understands the needs of the veterans they serve. Navy federal also donate to not for profits focused on veterans like the mission a continues. Navy federal credit on our members are the mission.

Learn more at navy federal. That org slash veterans. Navy federal dot org slash veterans navy federal insured by N C U A.