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Listen to our newest podcast where we discuss some of the highlights from Morgan Housel’s The Psychology of Money and why you shouldn’t be a doomer. The full transcription is below or you can follow this link to listen.

Untucked Episode 80

[00:00:00] Hey guys. Welcome to our 80th episode. Today we are going to discuss a podcast we listen to, uh, where Morgan Housel, the author of the book, the Psychology of Money is Interviewed. And then we’re gonna talk about doomers, really just negative people, um, and how difficult they are to, to kind of be around and understand.

Thanks for listen. The opinions expressed in this podcast are our own, and they do not reflect the opinions or views of FC Advisory, the Financial Coach group, or the New Wealth Project. Nothing discussed on this podcast should be interpreted as investment advice.

Welcome to un. Episode 80. This is Megan

and Mike. This is Jeff. 85%. This [00:01:00] probably won’t shock you, but 85% of men like lose their hair by like age 70, like completely. They have some hair lost by the age of 70. Oh, like 85% Like that. What? That, that’s not gonna surprise 55% of women. I was kind of shocked by that.

When you say lose their hair, you mean lose? I have some sort of hair loss. Yeah. I mean, yeah. 55% of women. Yeah. Yeah. What causes, why, why do men lose their hair with so much more than women?

You didn’t do any follow up.

I do know that’s all you got. Oh. You know, it was obvious like testosterone is, is the main driver for why we men use lose their hair more than women.

So having more testosterone leads to hair loss?

Correct. I mean, I, without getting into like testosterone affects another like Yeah. Hormone or something. Yeah. Hormone in your body, which that prevents hair

growth, the endocrine [00:02:00] system,

something like that too. Yeah, I thought so. I was gonna lead with the testosterone.

Mm-hmm. , but I thought that was just too obvious and that both of You’re gonna laugh at me. No. Nope.

All right. . That wasn’t necessarily fun cuz I don’t think hair loss is fun. . Okay,

so can we talk about this for a second? So, all my facts have to be fun. Like, literally fun. You have to, it’s in the title. It’s actually in the

title.

I

mean,

I, I guess they don’t have to be, cuz if we go back to the tapes they have, I mean otherwise we would just say, we would call it facts, right?

I, I find them all fun, but . Okay.

All right. We don’t have a lot of Philly.

We, oh my God. We still don’t want Philly sports to talk about.

No. What are you talking about?

There has not been a large enough like time that has passed between the end of the Philly season. You can’t, it’s March. I’m not doing it. It’s March. It’s barely March. And you’re talking about the Phillies? Is that what we’re doing? Who’s excited?

Lemme ask you.

We have one listener who’s excited. So go ahead.

Let [00:03:00] me ask

you. What do you think that Phillies will make it back to the World Series? No. No. Wow. like that quickly. Yep.

Dude, you know how difficult it is to do that two

years in a row?

Yeah. I’m telling this is no dynasty. This is just a team that’s like Jason,

second 1 43 in the afternoon, 2023. I’m saying the Phillies are gonna make it back to the World Series.

Okay.

timestamp it. We got it. .

I’m also saying the Eagles are gonna make it back to the Super Bowl. Oh my God.

Okay. Also, I don’t agree with, but

just, just a few predictions I’m throwing out way in advance. Mm-hmm. . Mm-hmm. . Okay. Sixers me ask you something about the Sixers man, I guess. The Sixers? Yeah. Okay.

Mm-hmm. Joe didn’t play last night. Mm-hmm. , he played the. . Yeah. They destroyed them. Yeah. They’re a different team [00:04:00] without Joe Ellen be, yes. What are your thoughts on that statement? I’m not saying Trey, Joe, Ellen and Bead. I’m just saying like, of course. What are your thoughts on that statement? That they’re just a different team when he’s not on the floor.

When Maxey scores 27 points, like what’s going on? Why, why is that? I mean, I, I know why it is, but why can. , Tobias and Maxi and some of these other peripheral players be as consistent and as productive with Joelle on the floor. Uh,

I mean, obvi like the style of play of Joelle and Bead is very ball dominant, right?

So when you play with a guy who touches the ball as much as he does, who scores the ball as much as he does, like it is naturally gonna mean less touches. The peripheral players. My issue is, and I believe it’s [00:05:00] coaching, is that there has been no attempt to combine what we’ve seen as a, like a quicker pace of play without Joe.

and the dominance of Joe, we, it, it, they play one or the other. Literally, depending on whether or not Joelle is in the game or I, I shouldn’t say in the game, playing in that game because it’s not like when Joe gets, goes to the bench, the scheme changes. It’s not like there’s personnel changes in those moments to take advantage of the fact that they can play at a faster pace.

Cuz Doc doesn’t do that. And that’s been the knock on doc his entire career as a coach is that he makes zero adjustments. He lives and dies with the same scheme, game after game, team after team, organization, after organization. Like to think that anybody who was pro. Expected a different outcome. They’re [00:06:00] lying.

Okay. Yeah. I mean, it’s, it frustrates me. Yeah. Yeah. It’s wild. Frustrating. Yeah. I mean, I’m, I’m at the point where I don’t need every single time down the court to run through Joe. I don’t need him at the top of the key, you know, beyond the three point

line. He’s doing that less and less. That’s between

Okay.

Okay. But. Give it like, let Tobias make that play. Let Maxi make that Let Maxi stand to three point line and try to drive the hole because you’re gonna pull so much attention. . It’s, it’s, it’s bothering me now because specifically after watching that game last time, I’m just like, oh my God, look at this team, dude.

Well,

and, and think about earlier in the season, like this is probably the most evidence we have to support this in Doc and Joe’s combined time in Philadelphia, because Joe was hurt to start the year and there were points when Harden was hurt. Like, and, and the Sixers were running with what [00:07:00] is now deemed.

Mostly. , like a sub lineup and they, they did pretty well and a lot of it again, had to do with pace of play. The freedom of the Max’s, the, I, I hate to buy this. I’m not gonna give him any more credit cuz I don’t think it matters for him, but like maybe any other player, I mean, shake, like mattered for a couple of weeks there.

Milton. Yeah. D Anthony, Milton, I mean George Yang. Like there’s a lot of opportunity for these players to matter. if the scheme is reflective of like both Joe on and Joe off the court, and it’s just, it’s not now, like I, it’s gonna be tough to convince me that Joe should get less touches. I do believe, however, that when Joey is not in the game, which is a lot like he’s a seven.

Physical dude, like he needs rest. If he’s gonna play, you know, into the [00:08:00] playoffs, like he can’t play a ton of minutes a game. So, but I agree that when he comes off the floor, the scheme has to change and it just, it never has.

I heard yesterday that the Sixers have made it past a second round. of the playoffs one time in the last 38 years.

Yeah. Mike. And

that would’ve been when they went

1985. Oh yeah. Yeah. Was was the last time they went and then when they went was with AI and Yeah. And they played the Lakers. Yeah. And, and the flyers, I mean, they haven’t been to a cup, well, I guess they played the Black Hawks, but that’s 10 years ago. They haven’t won anything in like what, 50.

when, when you say won anything meaning winning the sail cup? Yeah. Um, that would be 75, 74,

5 or so? Yeah. 50 years ago. Dude, those two organizations, you gotta turn it around, man. [00:09:00]

Sixers Yeah. And

fliers. Yeah. Six ERs not making a pass the second round in 38 year. Once in 38. flyers not winning a cup in 50.

That, that’s worse than the flyers because the flyers have been pretty deep in the playoffs many times over those 50 years. But you gotta win that and had a lot of success the past 10. You know, the past 10 years have been absolutely the worst in franchise history by far. Yeah. It’s disappointing. Yeah. No, it is.

I, yeah, let’s not talk about, move on . Okay. Talk about something else. All right.

Um,

I mean, we don’t have any

other sports. No. Nope. I don’t even wanna talk about the. you already did. Other than my prediction. They’re gonna win , they’re gonna win the Super Bowl

next year. Okay. So we’ll jump right into Coach’s Corner.

Let’s do it. Um, so for Coach’s Corner, we actually listened to a podcast, so we’re gonna talk about someone else’s podcast on our podcast. I love it. Um, the podcast is Scott Gallo’s, the Prof g Pod, and he [00:10:00] interviewed Morgan Housel who. Um, talked about a bunch. He’s a writer that we, um, we refer to often and he recently wrote a book called The Psychology of Money, and the section of the pod that we’re gonna discuss today is, um, their discussion on kind of the book.

But I would say more generally, like money.

Yeah. I thought it was a great listen for anyone between the ages of like 15 and 65. Yeah. Yeah. When it comes to how. You think about and should behave and should interact with your money and your financial

plan. And I think that’s always been what we’ve said about Morgan specifically, is his ability to make what feels maybe overwhelming and bigger like topics like money.

Just really common sensical.

I don’t listen to him much at all,

but even when you read

him, I read him. Yeah. I liked him even more after listening. . [00:11:00] Yeah. Well, he

doesn’t real, I don’t think he has a, um, I might be wrong. I don’t think he, he has a podcast, right? I bought the book. This is kind of why I brought this.

Did you read it subject up? I bought the book because I’m gonna give it to my kids to read and I haven’t even read the book. Okay. But I know what’s in it cuz it has a lot of stuff in it that he’s written about before and there’s just like so many gems in there. So, and then when I saw he was on the Galloway podcast, I listened to it and it’s.

Kind of the highlights he talks for. Yeah. It’s 20 or 30 minutes of, of them talking about some of the highlights and there’s just so many Great, great. Like you said, Jeff, common sense, very articulate, simple. Yeah. And really meaningful, important stuff too. It’s not, it’s all like we’re like, our heads are nodding with everything he’s saying.

It’s not which hedge fund should I Right. Aspire to invest in? No, I thought it was, um, , we started doing this pod because we wanted to. [00:12:00] information to the public that we thought was relevant and should be something that they are paying attention to, rather than all the noise that our industry produces.

This is like, I, I couldn’t be more adamant about if you are 30 years old, 20 years old, 60 like. Listen to this podcast from minute 20 to 60 and buy his book and read it.

Yeah. I mean, a couple of things that I just jotted down from it that I thought was was good was he was making the point at the outset that a lot of people just hear finance, or they think finance and they equate, it’s like math.

Oh, there’s some equation that spits out a solution, and then that’s what it is. Couldn’t be further from the truth. It’s behavior, it’s emotion, and it’s all this stuff that’s not math. And that’s so spot on. Um, and this is stuff that we’ve been talking about forever too. Um, and then one of the other things I, he brought up that I thought was interesting was that, and it might have been Charlie Munger, who we referred to who said this, and he’s, he’s talking about financial literacy with young people and his point.[00:13:00]

you know, maybe 10% of the population gets it as, as a young person, like, get compounding. They get it. They don’t have to be really taught and they’re on their way. Like they can, they can handle it themselves. In fact, they don’t need help. The other 10% on the other side of the spectrum will never get it.

They’re the compulsive gamblers. The people that are just, you couldn’t, you’re never going to get through to them, um, the important concepts. But the 80 or so percent in the middle, They’re the people that need help. Yeah. And will be able to be helped. And, and so I thought that was a really good way to think about it.

Um, especially if you’re one of the people trying to identify which 1:00 AM I right? Yeah. I

loved his analogy of this business to other businesses when he said, um, you can’t find a country bumpkin that can perform heart surgery as well as a Harvard educated heart. , you can buy an index fund and just put money into [00:14:00] it every month and just continue and never look at it and just let it go.

And there’s a really good chance you might outperform, like one of the best hedge funds in the, in the world. And there’s n there’s no other industry that you can kind of make that kind of statement with, which I thought was interesting. Yeah.

I love how much, and, and, and Scott Galloway said it a bunch too, like how much they remind us of luck.

Mm-hmm. like, yep. Because it, it is so, easily lost on it. One of the statements that they made, and I’m, I’m gonna butcher the exact phrasing of it, but it was like, like nothing in, in extreme times good and bad. Like, it’s not gonna last, right? Like, nothing extremely good is likely gonna last. Nothing extremely bad is gonna last, but like luck is ultimately like, where that shakes out for you.

And I think whether it’s, they talk about that luck, they talk about when and where you’re born being lucky. Mm-hmm. like, it, it, you can do everything else. Right. But there, there’s some element of luck to everybody’s lives and I just don’t think we. [00:15:00] Acknowledge that and, and not, we generally, like everybody, we don’t acknowledge that factor in our lives enough.

I wrote

it down as well over the past 10 to 15 years. That’s something that I’ve been, had my eyes opened to more. Um, and I just, I, I love that whole concept because I relate it to anytime like you read an article, you hear somebody talk, it’s like I’m self-made. Like you’re not self-made. Yeah. You got lucky at some point.

You’ve hooked up with good people that have helped you. Like you. No one is self-made. Yeah. You’ve gotten help and you’ve gotten lucky. Everyone. I mean, there’s not one. You ask Jay-Z, you ask Warren Buffett, you ask any of these super, super successful people, Beyonce, whoever they will, I guarantee. 99% of ’em say just, I just got lucky, man.

Yeah. And I worked hard.

Sure. Yeah. And for the most part, you were born in this country, not Uganda or something. Right? Like that’s such an important thing that [00:16:00] people, most people don’t ever really think too much about, which is. You have no control over that. And, and the people that are born to start with in let’s say America, it doesn’t have to be, but America is, is that’s such a headstart and all that.

And so, and, and he, a lot of this pod and maybe even the book is geared probably towards younger people with Yeah. With the advice in terms of, and back to luck, like a lot of, let’s say 20 somethings. Make an investment and, and Bitcoin and all that crap comes to mind. Make an investment that does really well.

It’s a, you know, 10 Xer or something, and then they think they’re, oh, this is easy. I’m so smart. And. inevitably will, you know, fail. Uh, because most of the time, as you said, that was just lucky. Yeah. Um, and on the other side, if things go against you, it’s many, oftentimes it’s just shit luck. It’s not, it’s a, it’s wrong place, wrong time or timing is wrong.

And just keep at it and keep at it and keep doing it the right way and it’ll, it’ll all even out for you. So, , maybe Captain [00:17:00] obvious in, in some of his stuff, but it’s so, uh, not obvious when you think about what is talked about and written day to day, to day to day. It’s not this, it’s not this stuff. I had a, um, a conversation with a client last night who has like a small, I’ll call it like play investment account and.

He’s like, I, I don’t want to do this anymore. Like, it’s not, I’m not enjoying it like I used to. And he is like, but I’m curious if like, I’ve outperformed the money that, that you’re managing and we’re sitting here, the 50 minutes up until this hour meeting, like we were in cash flows, we were in retirement planning, we were talking about paying for college, like the portfolio, the investments themselves, like weren’t even on the table.

And he brings that up at like the, the 11th hour and. , is this what you think is gonna make a difference? Like Right, you think that you’re $5,000 and it just listening to how Morgan [00:18:00] just describes all of the, the. , far more important things right. Than your $5,000 play account. Right. Outperforming some other investment in the grand scheme of things.

I was like, I’m gonna send this to this client tomorrow. Yeah. .

Yeah. Mike, you had said, I like it. It seems obvious. I mean, I think it’s obvious to us, cuz we, we, we live in, in this, um, kind of narrative our, I mean we believe it to our core. Yeah. Um, But when he says, when you do really well one year in investing, you, you chalk that up to how smart you are.

And then when it goes the other way and you do real poorly and you do very poorly, it’s, well, I was just unlucky. I mean, that’s how literally people think. They, they, they pat themselves on the back when it goes their, their way and when, and they think they’re so. . And when it doesn’t go their way, it was some other factor that was the influencer, it’s the Fed or

it’s

whatever it is.

Right? That’s not obvious to most people. It’s obvious to us because we [00:19:00] live and breathe this every day. Um, the other point he made what I thought was really, really good was, uh, cause he wa, I don’t know how much of a fan of like Robinhood and all that he is, but you know, obviously teacher kids. Um, you know, some of the basics, some of the fundamentals, but also like, let them do that stuff.

Mm-hmm. . Yeah. Because they’re going to screw up and rather than they screw up at 19 and 20 and 21 than when they’re 45 and they have their kids 5 29 and invested in some speculative cannabis company. Mm-hmm. . Uh, I thought that was awesome advice. And let them skin their knees early when there’s not a lot at stake, uh, when there’s not a lot of other people that are responsible.

I thought that was a great point. Mm-hmm. .

Yeah. And one other thing I wrote down is that, , and I can’t remember the context, but he was saying something around averages and how average never happens, right? Mar like market returns. It just never happens. Never. 0%. But yeah, we always talk, we talk a lot in terms of averages and, but real life is extremes and [00:20:00] the average is just so.

Like you calculate over time. And that’s not what anyone experiences on a short term basis. And like every bull market is born out of a bear market and vice versa and like 100% of the time. And it’s so true. Um, and sometimes you just get. lost, or, or you, you don’t remember to think of it in those terms.

It’s just really simple points. You know, every year

is a volatile extreme. Yeah. Like, it was a great point. Mm-hmm. , I, I also enjoyed how he was talking about how, um, when he was getting to like the behavioral piece, like it does, it just doesn’t matter how smart you are. Mm-hmm. doesn’t matter how brilliant or intelligent you are, you are still very vulner.

to making poor decisions based upon your behavior. Mm-hmm. , and he articulates it better than I ever. . Um, and it’s obviously something that we base this business off of. Like why we he, why we’re here, why we exist, and we see [00:21:00] it every day. I mean, we interact with really, really smart people. They’re dumb sometimes when it comes to this stuff.

Yeah. You know, they’re like, oh, I just talked to my cousin who said that we should get outta the market. Like, what, what do you like? That’s the dumbest thing I’ve ever heard. And you’re a really smart person. Mm-hmm. and we hear it all the time. It’s just, it’s, it’s, it’s such a phenomenal. , go Morgan .

Um, well, one of the things he talked about that can maybe segue into our next article if you guys are good to Yeah.

Move on. Um, he’s, and now he’s, I’ve read this from him. He says it, he tweets it. I mean, this is like maybe one of his, at least in my experience, one of the phrases I hear most often is save like a pessimist, invest like an optimist. And he talked about it in the pod, but. The article that we read was kind of about that mindset and the term that, um, they coined in this article is, don’t be a dor.

This is written [00:22:00] by Noah Smith. It’s on his like personal sub. So I don’t even know how I came across

Personal sub. It’s like a blog. .

Okay. Wow. . Um,

can you read that? Can you say that, um, that one line again? Invest, like, save

like a pessimist. Invest like an optimist. Can you explain that to me? So save like things.

Awful and gonna get worse. Okay? Like you always need to save, save, save, live within your means, right? I’m gonna lose my job next month. So if you just keep saving, right? You’re gonna have a medical emergency the following year. You’re gonna need to spend X on a kid the following year. But then invest like the world continues to innovate and create, and companies get better over time.

genius.

So simple. So

simple. . Yeah. So simple.

Yeah. I mean, yes, I, I agree. But I mean, again, as we know, people don’t think that way, right? And people think that they can, you know, based on the headlines or whatever it is that, that that’s gonna be, [00:23:00] um, something that they, that needs to be reacted to. tactics employed to take advantage or avoid whatever that, that’s just human nature though.

But it’s so true. I mean, you’re right. It’s, if you’re, and we say this all the time, sometimes we say it to clients or prospects, like if you’re, if you’re a dor mm-hmm. , if you’re like, you’re probably not a good fit for us. Like you have to have that fundamental optimism in, you don’t have to be like loving everything that’s going on in the world.

Right? Sure. I’m just saying. . But if you’re one of those like perpetual, like, oh, world, you know, the world that everything’s going to shit, probably not a good, good idea to work with, um, firm like us.

Yeah, we can, I mean, for a lot of reasons. Yeah. I mean, number one, we, I don’t want to be surrounded by right.

People that are just miserable and constantly coming in and talk about how bad it is, the negative. Yeah, that’s miserable. I, I can’t do anything about it. I mean, there’s nothing you can do about it other than just, I don’t know. , [00:24:00] buy an island somewhere and exist there by yourself, but there’s nothing you can do about it.

So you, you have to have a positive attitude and be optimistic that the world will figure it out. Right? Covid, world Wars like it, we figure it out and advance and poverty becomes less and unemployment becomes. I mean it, that’s just fact. It’s not made up. So you have to be optimistic.

So within the article though, he’s, he kind of drilled down on some more specific stuff that’s really in the headlines a lot with, like, with wealth and equality and things like that.

And, you know, a lot of people are focused on that and whining about it, but, neglecting to recognize how, in absolute terms, things are so much better than they’ve ever been on the whole planet, right? Like poverty. Um, but it’s

still really bad. But there’s still a [00:25:00] big gap. I mean, it’s still. When you drill down and you walk through neighborhoods and you see it like, it’s still bad, but I,

I’m, I’m saying something different.

You know, every single measure, illiteracy, hunger, e everything compared to what it was, even not that long ago, is phenomenally better, right? So, to me, it reminds me of the whole relative thing, meaning like, if you’re doing much better yourself, let’s say financially, professionally, what, whatever. , but your neighbor is doing way better than you or is, is Excel is winning even more.

You’re not happy, right? Because you’re comparing yourself to others. And that’s to me is what that, that focus on the, the wealth and equality misses the market. And I’m not saying that it’s not important, but what’s more important is in absolute terms, is are people better off? Like are billions of people better off hell yeah.

Right? So,

and when it’s never gonna go away, I mean, there’s always gonna be poor and hunger and inequality. S is, but [00:26:00] hopefully it’s improving. Hopefully it, hopefully it’s getting

better. Mm-hmm. , which, I mean, there’s data to support the fact that it is. Right. And that was like, sorry, I, no, I’m saying that’s really the, at the core of this article is that while things can seem bad, and to your point Mike, like if you abs, if you look at the absolute, I like numbers.

They might not feel good, but that doesn’t mean that they haven’t gotten better. And, and I get, I get back to like, is, is our goal here is to, to eliminate wealth inequality? Is that the goal? No, because what if, you know, the, the gap grows over time, but the, the whole thing is getting so much better and more prosperous and like that, that’s the goal, isn’t it?

And then who cares? , the very, very rich get, you know, richer as, as long as everybody else is doing better, like who cares, right? Yeah. I don’t know. That’s just my, I’m on my soapbox on that soap. I’m

off . . [00:27:00] So I’m watching like the last of us. Yeah. And it’s apocalyptic. It’s so bad. I love it. I love it. Yeah. I don’t,

you’re out.

I’m in it. I’m, I mean, I’m in, but I don’t,

am not enjoying it. This isn’t a last of us review, so I didn’t need both of your opinions on it, but, um,

writers should be

fired. . There’s one episode where this guy is, and it’s not a spoiler, like he has everything needed. in the event that there was this apocalypse, generators, food ammo fence.

And he knows everything. He knows electric electricity and plumbing, like he knows everything. Carpentry. He can do everything. He’s a superhero. He’s by himself. Like we know people. We have clients, people in our friend group that. and are trying to prepare for that eventuality. They’re preppers. Like it al it.

It always blows my mind like, [00:28:00] okay, so we’re gonna spend time and energy worrying about this, which is probably not gonna happen. And I’m not talking about a zombie apocalypse, just mean like, The internet goes down and like all hell breaks loose and like everyone spins off the planet. Like, then you’re gonna be hunkered down in your, in your bunker by yourself, right?

Or with just your family, God forbid, ,

like

you’d kill yourself. So why are we wor, why are we worrying about it? Why are we preparing for

it? Why are there so many movies and books made about that scenario? Because people love to like, think. Or I mean, that’s like a really interesting scenario for a lot of people.

I feel like that’s part of it too. And it’s

fear. They’re afraid it’s gonna happen. Yeah, right. Like we ha I, I know people that have cars that are not gonna be affected by electric magnetic pulse . What?

Yeah. I, I mean, I don’t know that I, I [00:29:00] feel as strongly as you that it can’t be worried about. Obviously, like the apocalypse is not a concern of mine whatsoever in any version of it.

Even the internet defaulting or whatever is not a concern of mine, but like some, the grid, what about the grid going down? I, oh, okay. I’ll, I, I don’t know. I, I’ll, I guess I’ll deal with it or I won’t. Like the other things mentioned in this article, like, Hunger, right? Like, like the, the wealth gap. Like just generally, like those are things that I don’t think we can completely dismiss as non problems, right?

So I don’t wanna like go so far as to say like, I know I personally don’t have a ton of ability to impact those things, but I don’t wanna say that they don’t deserve time, attention, and resources, right? I’m not there. Right. But I also think that it all has to be addressed in the context of things have gotten better and we want them to continue to get better.

We can’t go down these wormhole like the tweet that was focused on this article, which [00:30:00] described it as we’re living in a late stage capitalist hellscape during an ongoing deadly pandemic with record wealth inequality. Zero SA social safety net job security. As climate change cooks the world like wholly dramatic.

Can you imagine? Sitting at a bar, talking

to that person, with that person, I, I would want the apocalypse to start right then if that’s who I was sitting next to. So like the, to me it’s like we’re, we’re too far on either end, right? We’re somewhere where it’s like, who gives a shit? Or we’re like, this is the worst place to possibly be.

And we just finished talking about all of the things Morgan said while, like, which I guess it’s gospel according to Morgan. . There’s literally no better time in the history of the world to be alive than today and in America. No. No. Better time ever. . Yeah.

I should have prepared it for today, but like, grab Nick Murray the beginning of every year, like he just rattles off all the stats.

Mm-hmm. of how much the [00:31:00] world is improving and those stats, like people living in poverty, hunger, like it’s, it’s unbeliev. . I wish there was a way to solve it. I wish there was a way. Sure. But, um, yes. Like you said, Meg, it’s the best time in history to

be alive. Like, would you rather be alive during the Civil War so you’re not in a late stage capitalistic healthcare?

Like No, no, no. Thank you.

I, I mean, I just, I can’t get over. Dumb. I am from the standpoint of some people are so good. They came. It’s so simple. I can’t believe I didn’t think of it dor like, like coming off of like boom. Like playing off of boomer. Yeah. It’s so simple. Like all these doom stairs, I just call them doom stairs.

Like how did I not think to call them Doomers? It’s so great. .

Yeah, it is very fitting. . All right. Anything else? [00:32:00]

No. Maybe I just think I’m funnier than I am and I should have thought of that. .

Yeah. I don’t think that, not coming up with that is really an intelligence thing. ,

you’re just not that

funny. , you’re not even funny.

Like clever. Yeah. . All right. Top five. Sure. Top five songs featured in a movie. . Correct. Or in a movie, correct. Or from a movie, correct. But does not have to be original to the movie? No. No. And doesn’t have to be a full soundtrack, like we’re looking for specific songs, doesn’t

have songs that were in a

movie,

whatever, you know?

Yeah. I would say it has to be, it has to be on the

soundtrack. Right? Right. And But it doesn’t have to be like the soundtrack of this movie. No. In totality, right? No. Okay. Who wants to go. You look like you chopped at the I’ll go first. Only, only because I did not love this category even Really? Jeff loves it.

I love it. and mine are, mine are bad. Um, and they’re old. So, so there’s that. I’ll start off with, um, [00:33:00] um, attune from Pulp Fiction. What’s it called? Son of a preacher man. Dusty Springfield. Mm-hmm. . Okay. Just was fitting good. Good tune. What part of the, there’s a lot of good ones in that. What part of the movie was that?

Oh, man. Now you’re, now you’re, I don’t know. I don’t remember. I really don’t. Okay. All right. No, no, no problem. I’ve got in the same vein from Reservoir Dogs stuck in the middle with you, Steeler’s. Was that

the ear scene? The

ear scene. That’s, that’s great. That’s a good one. Next I’ve got, um, this is not a good one at all, but I just, um, from the movie Wall Street, this must be the place Talking heads.

What part, what, what scene was that from? It

was like one of those, I, I feel like it was, um, a transitional scene, like a compilation of, of stuff going on. Okay. But it was just a good tune. Good background

too. of a good train. Jason, why these wrong soundtracks? ? Yeah, they are.

They’re, oh, I didn’t verify. And then I got, um, from Ferris Bueller.

Oh yeah, that, uh, that’s a good one. Um, by Yellow,

I believe that’s like an [00:34:00] actual song. It’s Aren’t all of yours actual songs? No. I didn’t know that song was an actual, but he’s on the bus and it’s just going. Oh, there were a couple you could have done from that one. I know. There’s a lot. And then my What was the, yeah, what was the one, what was the one

in the parade?

Uh, is it Twist? Yeah, there’s that. Yeah. And then my last one is from Office Space. Good to be a gangster when they’re smashing the, uh, fax machine. That’s a good one. That’s a good one. . Okay, Mike, you did good. All right. Thanks. I thought it was bad. , can I go? Yeah. Lose

yourself. . I knew you were right. I knew you were gonna take that

one.

That was like a, I didn’t put it on because it was, it seemed obvious. Yeah. Um, this one also is probably pretty obvious. My heart will go on Titanic.

Yeah, that’s right. I did think about that one.

I actually thought of another Celine one, but I went with that one. Um, I will always love you, Whitney Houston, the body.

songs like Iconic. Yep. Yep. [00:35:00] Um, I , I don’t know if this counts cause I’ve actually never seen the movie, but the song that he’s playing and say anything when he has the, that’s boom back. It’s called In Your Eyes. Yeah, it’s Pier Gabriel Classic. But I just, I like, I, it’s a classic scene, so I feel like it applied even if I didn’t know it.

Um, and then I’m gonna go with Kuna Matata.

That’s a good one. Um, okay. So I mean, I just went with the two biggies and now did you guys have to do any research for this? Because mine were all off the top of my head.

I needed to do research. I had lose yourself hakuna matata and um, my heart will go on. off the top of your head.

Off

the top of my head, yeah. Yeah. So I’m a little angry because I, uh, we’ll always love you from Bodyguard. Was, was on mine. Mm-hmm. , uh, and it was like, dude, no one’s gonna have this cuz. But then when I, I did research after I built my list. It’s like the first one that pops up. . Yeah. . So I, I, I went with the two, the, the two like haymakers, like over the rainbow from the Wizard of Oz.

Hmm. Oh, so you’re going like, just [00:36:00] classics cl I mean,

just like the, the biggies, like the, the Mount Rushmores, I mean. Okay. Right. , uh, I, the Tiger from Rocky. Mm-hmm. . And then I just back down to like my personal favorites. So Gangsters Paradise From Dangerous Minds. Deep Cover from Deep Cover. Uh, and fight the power from Do the Right Thing.

Oh, that’s a good

one. Yeah. Yeah, it’s a really

good one. That’s a good one. .

Yeah. Cool.

We good? We good? Yeah. Thanks for listening.

Till next time.

Listen to our newest podcast where we discuss kids coming “off the payroll” and modern etiquette rules. The full transcription is below or you can follow this link to listen.

[00:00:00] Hey guys, welcome to the newest episode of Untucked. Uh, we have a fair amount of Eagles Super Bowl prep, along with, uh, some score predictions, and then our coach’s corner. Today we’re gonna talk about kids being off the payroll and when does it make sense for that to happen. And then we’re gonna discuss an article from The Cut about modern etiquette roles.

Thanks for listen. The opinions expressed on this podcast are our own, and they do not reflect the opinions or views of FC Advisory, the Financial Coach group, or the New Wealth Project. Nothing discussed on this podcast should be interpreted as investment advice.

Welcome to episode 79 of. This is Megan and Mike, and this is Jeff. [00:01:00] You probably intuitively know this, but did you know that a 50% off sign increases sales even if shoppers don’t know the original price or what a reasonable price for the product would be? Yeah, that’s, I think you’re right. That’s not a surprise.

Just a fun fact. , Jeff was admitted. Admitted to, um, having some difficulty scrambling for the fun fact, finding a fun fact. He said he went through a couple different topics. Yeah, it wasn’t as easy this week. Um, Had a couple others, but like moons can have moons, right? Like moons can have moons, and they’re called moon moons.

That would’ve been better, I think, . I thought the two of you would’ve slapped me if I used that one. , maybe if you led with that one. But comparing it to 50% off, it’s definitely the better of the two moon moons. Like they can’t think of [00:02:00] a better term for it. I’m here for very easy, accurate descriptions of things.

Okay. Like moon moons. I know exactly what it is. It is the moon of a moon. Mm-hmm. . Yeah. I mean, there’s no mistaking that.

You gonna lead us off, Jeffrey? We’re doing Philly sports now. What is your opinion on. all the talk, which I’m sure both of you are knee deep in right now, of like the birds really haven’t earned it this year. Uh, you gotta explain that to me cuz I am not knee deep in any of the chatter. Is that what they’re saying On um, their schedule was cake.

Yeah. Easy schedule. Um, played against hurt teams every step of the way. Giants. Yeah. I guess the Giants had their starting quarterback. Daniel Jones, right? Yeah. But then they didn’t like they beat a team in the 49ers that literally didn’t have a [00:03:00] quarterback, even though we knocked both of their quarterbacks out, and now they’re going against Kansas City with possibly a hurt Mahomes.

What’s your take on it on that perspective? Who’s what? So this is coming from outside of Philly sports fandom. I’m taking it like national media. Yeah, yeah. Like a Stephen A. Smith or something like that. Yeah. I mean, I don’t think he’s said it specifically, but Yeah. So talking ahead on some sportscast who’s just trying to, I think they have to fill airtime for two weeks.

Yeah. Get a reaction. That’s it. How did the, how did each of you feel about the game? It’s probably the first game, these playoffs where I’m like, Hmm, it’s gonna be a, I was, I was much more confident going into the Giants game and the Niners game than I feel going into this game. And I think it’s just because Kansas City’s been [00:04:00] so dominant for the last however many years really, since Patrick Mahomes been their quarterback that.

even maybe a little bit hurt even with whatever you wanna say about Andy and his coaching style. Like they’re a very good team, but like both teams are very good. . Yeah. Like, that’s why they’re both here. This is the, this is the first game I’m going into that I feel confident. . Like I was nervous about the Giants.

Yeah. Giants were coming off a, a good win. We, we were. Um, but they beat them handily. Uh, the Niners have the best defense or one of the best defense defenses in the league, so wasn’t sure how that was gonna turn out, wasn’t confident. And the more I think about this game, I just keep, like when the, when the Chiefs played the bucks in the Super Bowl, the bucks just, I mean, they were chasing Mahomes the entire game.

Like [00:05:00] he was running the entire. , our defense is better than the Bucks defense. He’s not a hundred percent. Like I, I mean, I hate to say it, I just like, I feel like, like I feel very confident that the birds are gonna win, which I don’t like. And like even a part of me, like deep down is like they might even like, Kill ’em.

Whoa. Like it might not even be a game. Whoa. I know. And I don’t like feeling that way at all, , because I’m just like, our defense may shut them down. They don’t have Tyreek Hill. Yeah. But they have Travis Kelsey. They have Travis Kelsey of I. I got you. Okay. And then who? I don’t know. Travis Kelsey’s wrecked a couple of teams himself this year.

Sure. And when we played the 49 or when we played the, um, the Patriots and won that Super Bowl in 17, that second half Gronk just picked us apart. Like, yeah. He was unstoppable. And I think that’s possible, possible with [00:06:00] with, with KC. If we hold them to 20 points or less, we win the game. I’m, I’m 100% convinced of that.

Cause we’re gonna score more than 20. I know that . Wow. Pretty specific. Yeah. Look, I, I don’t, you guys are like Fairweather fans. You’re, neither one of you are dialed into any, you’re only dialed in the six ERs. You’re only dialed in the flyers. I’m four for four . But you’re listening. Yeah, you’re six 10 w i p every day, and I only call in like five times a week.

Yeah. You definitely pay more attention. I give you that. You have a much, you’re far more confident I than I am. I’m not gonna speak for Mike, but that’s, that’s because you, you pay more attention, you’re more aware, more in tune. I think it just sets up on paper to. a an awesome game. A good game. Yeah. And, and yeah, anything can happen.

It could be a 31 point blowout one way or the other because of [00:07:00] turnovers or penalties or injury. I mean, it’s like any single game. Yeah. I just, I, I expect it’s gonna be good. I think on paper when we look at it, like the Eagles beat them in every category except for quarterback. Mm-hmm. . . And it’s not like, especially given the fact that Mahomes is hurt slightly, but then again, so is Jalen.

Yeah. Um, it’s not this huge disparity of, of quarterback differential. So when I look at like on paper, like it, it should, the eagle should win. Now I’m saying that, but believe me, I don’t feel this confident. and because like what you just said, Mike, like anything can happen. Do you know what the spread is?

It’s like one and a half. Yeah. That’s fair. I think. Mm-hmm. crazy. The chiefs have been here though more recently, more collectively. I mean the team that this eagle scene that won in what is 18, like it’s a very different [00:08:00] team than is going back this year. I think that matters. Um, . So, yeah, I, I think you on paper like means nothing to me cuz this is the only, the, the only game that matters at this point.

Like they’ve, they’ve gotten to the only point that every team works to and it’s just like anything can happen. Yeah. On paper it doesn’t matter. You know what I just said, who’s been here, who hasn’t, doesn’t really matter. Yeah. And back to what you started with. . Oh, they didn’t earn it. I mean, what they 14 regular season wins.

Was it ? They, they rolled over their two games in the, in the playoffs. I mean, it’s still the nfl. It’s not easy to do any of that. Yeah. Like against anyone. Right. And they, they could have won 16 if their quarterback was healthy the entire year. No, I don’t. I, I, I, I throw that Yeah. Out the window. I mean, you’re playing an NFL team.

They’re grown ass. that want to beat you to win [00:09:00] 14 of those matchups. Right. You earned it. Right. And if you talk to any player or coach in the league, they would be like, that is bullshit. It like nobody, everybody feels exactly that way. You could be the worst team in the league playing the best team in the league and you have to show up to play.

So I it, like Mike said, it’s just. Killing time and getting reactions for a couple weeks cuz there’s only so much you can say about the Kelsey Brothers being in the Super Bowl together. Yeah. My only, my only fear is the moment gets a little too big for Jalen or, and or Nick Sirianni. Mm-hmm. and Nick tries to like, outthink himself.

Like, just go out and play the game like you’ve been playing at all season. Don’t try to do anything funky or crazy. Um, and Jaylen, just keep your cool. Don’t fumble. Don’t throw an interception. Yeah. Like on side kick, take care of the ball opening, kick off or something like that. Don’t do anything stupid.

You’re down, step nothing. Yeah. Yeah. Or like, you know, and that, that’s the kind of stuff that sucks that, that’s [00:10:00] crazy about the nfl. I mean, Jaylen can drop back and fumble and Casey picks it up and Yeah. Goes, goes for six. And here we are with 1428, left in the first quarter. down seven. Man. Like I’ll like, I’ll lose my shit if that happens.

Yeah, yeah, you will. But I will say the final will be 31 17 . Birds. Birds. Yeah. You wanna go? What’s your prediction? Um, 2314 birds. Ooh, low scoring affair. Um, I’m not good with this cuz like sometimes I say numbers. You can’t even have ’em as a football score. any, any number? Um, seven. I think it’s gonna be . I think it’s gonna be close.

So I’m gonna say can you have 30 points? 30 make sense, right? Yeah, you can have, I’m gonna do 35, 32 and above is all 35. 30. Okay. The over under is 51. You think there’s gonna be 65 points scored in the game? Yeah. No defense. I’m so [00:11:00] excited though, man. I can’t wait. And this has been the longest week I’ve had.

I’ve had in a while. Like yesterday I was home. I’m like, like eight, eight dinner. I’m like, oh my God. It’s only Tuesday. I thought it was like Friday. I’m like, I’m like a child. Yeah. All right, well that’s enough of Super Bowl talk. Go Birds. Just as bad as w i p. Yeah. . Go Birds, . Um, You wanna get into it? Yeah, let’s do it.

So for Coach’s Corner today, we are going to discuss when should kids be off the payroll. We have a pretty unique perspective on this particular question. Jeff and Mike have young adult children. We work with people who receive financial support from their parents. We also work with parents who give financial support to their children.

What we wanna talk about today is if and when it should stop. Yeah. I think this topic is. It’s all over the place. I mean, obviously there’s no right or wrong answer. Mm-hmm. . Um, but I, like, I know from my perspective, I graduated college, uh, my [00:12:00] daughter was born in October, so two months after I graduated college.

So I, you know, was looking for a job, was living at home. Um, you know, part-time si part-time. Single dad trying. Help raise a child, help financially support a child, like I wasn’t in any hurry to like, move out of the house. Um, so now I wasn’t looking to stay there forever. Meaning your parents’ house, correct?

Yeah, but I didn’t, I definitely got the nudge, like from my folks, it, it got to the point where they were like, so winner. When are you gonna meet someone or when are you gonna just get out? Like, and like, why are all these toys all over the place? . So I kind of was like not forced out, but it was clear like ti time to move on.

But I was probably after maybe like a year or two, I was probably 23, 24 when I moved out. My 23 year old is [00:13:00] kind of part-time living with, with us now. And I mean, I hate to say this, but, but like, maybe like a month after she was there, I was like, when is she getting. Like, when is she gonna get her shit together and get a full-time job?

Like, and I just kind of forgot that, you know what’s, what’s, I forgot what it was like to be 23. Yeah. So I believe that there should be some timeframe and, and this is my personal opinion, unless your kid like totally has their stuff together. Right. And who’s graduated has a good paying job right outta graduation, be right after they graduated because they did an internship with this company and they’re just put together and they, they’ve moved.

If your kid’s trying to figure it out, I think you help them save some money, help educate them on how to financially support themselves, do a budget, pay taxes, like learn the robes until they can afford to move out. But at some point that has to happen once they’re financially able to do it or on. [00:14:00] on the brink of financially able to do it because I don’t think it hurts to like, have them need to push a little bit.

Yeah. And I think it’s sort of like, um, it’s not like graduation isn’t even necessarily a like, like a fact. I mean, there’s plenty of, I think more so than ever probably more, more kids or young adults that. find that college is for them, right? And they’re sure maybe living at home trying to figure it out or whatever.

I mean, I think, I think the answer is just that it’s a big, it depends, you know, capital D depends on the, there’s so many variables in this situation. You know, you could have multiple kids and let’s say two of them. very self-sufficient. They’re out quickly and they’re off to whatever. And then you have one who’s struggling for whatever the reason or reasons, and you know, you’re gonna do what I would think you’re gonna do what you can to help them and not just [00:15:00] like say, here’s the door, figure it out.

Um, maybe the tough love piece is to a certain extent, uh, a thing and, and can be part of it, but I, I just think it’s a very hard open-ended question. . Um, because every situation is different. Every kid is different, every economy is different. I mean, I, I lived at home for a year and a half after I graduated cuz we were in a recession.

The jobs were not to be had. Um, and it took that long really for me to get a job basically. And, uh, so, and I was like, you, I was like, whatever were you 23 or so at that time? Yeah, yeah. Um, so I think a lot of it depends. Internal and external factors? I don’t, I don’t, I don’t know that have a good answer for that when they’re off the payroll.

It’s, it depends, I think, and to what extent they’re off the payroll. Right. How sure You’re helping ’em with cer certain things or you know, they’re paying for most of their own stuff, but [00:16:00] maybe you’re helping them with. , I don’t know, a car payment or something like that. I don’t know. Yeah, I don’t know. I’m not there yet, but , yeah.

We had this discuss, Jeff, Melissa and I talked about your daughter and it was like exactly what you just said, what you both just said. But we did identify like. certain things that were going to happen, right? Like a student loan was gonna be paid off or she was gonna get a new job or Right. There were certain, you know, when, when she’s off the insurance, when she’s 26 and she can no longer be on, you know, your health insurance.

Like there were gonna naturally be some, um, some things, some events, if that’s the right word, that probably cause everyone to be like, okay, well what’s next? Right? And I think that, In my mind at least, maybe the more logical way to like think about it. It’s not a defined moment in time, it’s not a particular age, but it’s, [00:17:00] it’s the recognition that, hey, we wanna get somewhere and there’s a series of events that are going to cause us to.

Figure out how close we are, like how much sense it makes to take that next step. And a lot of those are financial. A lot of those are things that parents provide in the form of support that go away or change hands that I think require. There to, at the very least, be a discussion about where are we going from here?

Yeah. The biggest event is the, the child’s gonna want to be living on their own. Like they don’t wanna live in your house anymore. And that’s just a huge financial thing to overcome, to figure out what am I buying? A, am I buying a place or am I running an apartment? And what does that cost and how the hell do I even do that?

Because, you know, the, the, the boys don’t wanna stay at home. , like bring girls home or boys home or whoever, uh, in mom and dad’s house. So that’s the biggest, I think the first kind of hurdle. But as far as off the payroll, like what does that even mean? Like, do, do either one of your [00:18:00] kids e do any of your children have like, uh, like a credit card Dad is like one of your credit cards?

Yeah, that’s how I started it. But then got them their own credit card. once they could, that they pay for. That. They pay for. Do they ever use your credit card still? For sure. . Yeah. For food and for, you know, the things that are kind of part of the deal Yeah. For being at college, which is like room and boarding that includes, you know, food not, not going out Yeah.

Or not playing golf Right. Or anything like that. But, but food is still kind of like, it’s on mine. Yeah. Copays. Copays. Yeah. , what do you mean? To go to a doctor down, down to South Carolina? Oh no, I pay for that. Yeah, they, they, yeah, they, they, they use your card for the copays. Oh, yeah, yeah, yeah, yeah. But I mean also like the scenario where, like you just said that they want to, they, you know, at some point they want to get outta the house.

They don’t wanna live at home, but, you know, there’s the, there’s plenty of scenarios where the twentysomething or even 30 something year old, is living in the basement playing video [00:19:00] games and doesn’t have any interest in working. Right. Why do they always have to be playing video games in the basement?

Why can’t they just be in the basement, like making Legos or something, or like a, a model airplane. Why do you have to come down on video game players? Just curious about that. Yeah. Touched a nerve. Touch Jeff’s nerve there because it’s a 40 something . Yeah. Yeah. So there’s, there’s lots of kids that are.

and it’s like, Hey, I don’t want my own place so I’ll just stay here until, until Well, that’s what I mean by like, there has to be discussions. Yeah, there ha. Right. Because even if the kid doesn’t want it, well if the parents don’t want that, there has to be a discussion cuz it can’t be something that gets like, never discussed and then it right boils up and then it’s like, get the hell out of my house.

Right? Like, of course people don’t want that to be the alternative. So I feel like using whether it’s, Hey, I really would like to, like this time next year, be in my own place. Okay, what are the steps we need to take to get there? Hey, [00:20:00] we’re covering your student loan for one year. That was the deal. What are you gonna do?

right? It starts, you know, kicking in. Like I just think it makes sense to have those conversations. That’s what my parents did and it was never like you have to be out by a certain time. But I think they knew that if we did certain things, we would eventually be out, which was the goal for everybody. I think there should be a conversation about a around, you have to be out by a certain time.

Obviously circumstances may come up, right, which are gonna change that, but our plan is, . You’ve either graduated high school and decided not to go to college, or you went to college and have graduated. And the plan is, it’s a three year plan. You know, plan number one is establish your budget. Like you’re gonna have to get a car and insurance and student loans or whatever, you know, whatever your foods like.

Find out what all that stuff costs. Maybe the next year we’re. As we’re doing that, we’re focusing on like your job and your career path, and then [00:21:00] there’s year three where you’re, all right, we’ve, we’ve got a good routine now what are our goals? Like what, what, what’s our budget gonna be if we, if we move out?

I, I think they have to be pushed out at some point. And, and I don’t mean like, like a month after Sure. We start the plan, but a few years. Yeah. And, and, and they gotta go figure it out on their own. so that in that scenario you’re saying they need to be pushed out. That assumes that they’re not trying to get out.

Right. Assuming they’re not trying to get out. Right. Assume their way to getting out, I should say. Right. Or like you’re like, will hasn’t come up to you and said, look, this is my plan. I want to be out here by No, if that discussion hasn’t happened, like I think there needs to be a discussion. This is your plan.

Let’s build your plan. Cuz you can’t live here until you’re 20. And I’m, I’m picking up, I’m, I’m making up a number. Like the plan is 23, 24, 25, and when you’re 25 and a half, like we’ve met all these goals and we’ve hit our plan, we hit [00:22:00] our numbers, and you’re out unless something else happens, right? Sure.

You break up with your girlfriend and you spiral into a, like a depress funk for a year and a half. Like, okay, maybe that has altered our plan a little bit. What about parents? , like still willingly provide support. So like, let’s use the scenario where the kid’s out, but mom and dad are covering maybe more than what you were describing, like the car payment, like paying half of rent, or you still have mom and dad’s credit card.

Like, I mean, do we have any opinions on that or is that. It’s gotta stop. You can’t, I don’t think you can do it. Yeah, I agree. I agree with you a hundred percent. I mean, unless it’s like, oh, my, my kid has to live in a 3000 square foot apartment. So yes, I have like that’s, I think that’s bullshit. I think, yeah, if your kid wants a 3000 square foot apartment, they need to get a better job or get a third job or a fourth job.

If, cuz they’re not, they’re, they shouldn’t be coming back [00:23:00] to you for that. I think most kids when they graduate in, in today’s world, can get a. That can, that can afford them the basic lifestyle needs, food, clothes, roof over their head. Maybe you won’t get ’em the BMW or the beautiful place in Exton that overlooks the pool , but they, they can afford to, to be independent.

Yeah. And look. . They get in a car accident and there’s a medical bill. Yeah. Mom and dad should be there to help out. Cause that stuff’s everybody. Everybody needs help. And everybody’s gotten help to some extent. Yeah. So, but no, they, they gotta, they gotta be out man. Yeah, cuz I think that scenario and we see it more from the parents like wanting to, or maybe not wanting to, but feeling like they have to help.

And a lot like we come at it more times than not from the [00:24:00] perspective of the parents. Right. Is this detrimental to the parents’ financial plan providing that type of help? . I can’t say that I’ve gotten into a lot of conversations when someone expresses that as something they want to do or feel like they need to do.

I’m not talking about the kid. I’m not like, well, why does the kid need this? Or have you considered, you know, having a conversation with your son or daughter about why they need you to do X, Y, and Z? Um, which I don’t know is really our place, but it, it’s an element, I guess, of this particular topic. For sure.

So what did we conclude here? Nothing. Anything

Um, what did we conclude? I think we concluded that when there’s no, there’s no exact when and the when is different in every case, but that assuming both kids and parents want there to be [00:25:00] an off the payroll, there’s gotta be a plan to get. That’s fair enough. So really no conclusions.

All right. Moving on. This article is called Do You Know How to Behave? Are you Sure How to tip, how to Text Tip, ghost hosts and generally exist in society today? This article got a lot of feedback on Twitter, good and bad. I’m not sure how much you guys saw, but that’s where I came across it. It’s a list of etiquette, etiquette rules, and I’m putting that in air quotes to abide by in different situations.

The categories they use are friends and lovers, strangers and others going out and staying in tipping, work the city, parenting, posting, and texting. I just, I, I, I highlighted a couple that just stuck out at, at me. It’s, yeah, one way or the. I mean, there’s a hundred and whatever, 40 of these, and many of them are just, [00:26:00] just really dumb, honestly.

But like, here’s one, and, and these are, to clarify, these are like etiquette rules, like in an, and it has a, like a header, for example. Yes. Don’t feel bad about standing up in the aisle immediately upon the plane landing. Oh, and then it says, flying is bad enough already. Do what you can and make things better for yourself.

That’s the advice about, don’t feel bad about, say, I have the exact opposite opinion on that. There’s nothing more rude you can do then do that. Now, maybe this is, this is obviously written by a young person, , this article, so maybe this is what the, you know, the young people, the generation feels about just look out for yourself.

But that to me was like, you kidding me? Okay. I don’t think it’s rude. It’s totally rude. It’s not rude if someone stands up when the plane stops. It’s stupid. [00:27:00] Well, it’s stupid. It’s not rude. All right. I’m, I’m thinking of the standard and then the moving down the aisle, like going ahead of you. Oh, out of your aisle.

Some people that’s rude. So I was picturing that No, but this, but this advice is, was saying go ahead and do that. 37. Yeah. That wasn’t even in the category we were in. We were focusing on Go ahead, think about yourself. Don’t worry about it. Move forward. Yeah. That one’s dumb. I would agree with that. And they’re the worst kind of people.

Yeah. I, I mean, I thought under the heading that we were under, going out and staying in, there were a lot that I kind of agreed with. Okay. Um, some that kind of confused me. Give us one that confused you. Uh, white people should not use any variation of racial slurs at karaoke. I, I was confused by that from the standpoint of like, obviously white people shouldn’t use racial slur.

you should, like what? Like what do you do [00:28:00] if someone picked a song with a racial slur? You don’t say it right, but like, so you say like, uh, you just like leave a blank word. Yes. Obviously you’re not gonna say the racial slur. Right. But like, you don’t say brother or prayer. No, no. Or, or like, no. Or, or bastards.

We’re obviously talking about one particular racial slur. But No, you don’t. No, I mean, I mean, you can think of it. You don’t fill the. I’ve never done karaoke at a bar. I can’t imagine doing a song that would actually have a racial slur in it. If you did karaoke, you would though, cuz those are the songs.

You know the words too. I would, we would, first of all, you do karaoke to sing , right? Like no people do it around. Didn’t believe you. Really? Mm-hmm. . Mm-hmm . Yeah. This is why I was confused. Like, I like, yeah. I would never pick a rap song at karaoke. What would your karaoke song be? Um, it would be Sanaria by Sublime.

Oh God. , what would yours be? Mike, come on. Can we get off of this [00:29:00] karaoke? Why’s my topic bad? Okay, like another one here. Venmo’s Remind button is too aggressive. Text them instead. It’s great advice. It’s great advice. I, I’ve never used or gotten a remind on Venmo, so I don’t know how aggressive it is or isn’t, but I mean, They’re basically saying, don’t robo remind somebody, just give ’em a text.

And, um, I don’t understand why that’s such a big deal. Like if, if they’re gonna Venmo you Yeah. And they get a notice from Venmo like, Hey, by the way, like, you owe me 40 bucks for the gift. Well, what’s wrong with that? I don’t think that’s a big deal. . Um, the three on the birthdays, I couldn’t agree more with after high school, you’re not allowed to be a birthday diva.

Oh yeah. No one gives a shit. Not even like 30 No. Or 40, no. And that, well, those two ages, even 21 dovetail into 63, which is if you plan a birthday trip, [00:30:00] I would argue party event for your birthday aggressively. Make sure people understand they don’t have to participate. Agreed. I I, I like the 30. Birthday and like somebody throws their own birthday, bash their own.

Yeah. I think it’s, no, no, no. I’m, I’m not suggesting that that’s bad. I’m suggesting that if you’re gonna do it, you have to make sure people know they don’t have to come. Oh, they said like, and, but they’re saying like, you can’t use the day to make unreasonable demands on people. Right? Yeah. Okay. I thought it was saying like, you.

No, because like my cousin, my Melissa’s cousin, like, she had like the pimp glass, like on her 40th. Like it was awesome. Like it was a party. No, I, and I think if you wanna do that, great, but like, if you’re gonna go away for a weekend, you can’t expect your best friends to like drop money, time off work to go celebrate your 32nd birthday.

Like, that’s bullshit. Don’t go into a phone vortex at dinner. No brainer. Yeah. Um, if you bring something to a, To eat or drink, you cannot take [00:31:00] it home. Yeah. I think there’s a lot of people that don’t know this man. This is like basic etiquette. How about this one? It’s a little out of the category, but it it’s jumped out at me.

saw someone shoplifting. No, you didn’t. I love that. Ditto for jumping the turnstile. Yep. So, so you’re in a store and someone’s just chucking stuff in a bag. You, you’re, you’re not my. , what store any, does the store deserve to have their stuff stolen? Uh, like if it’s at rest, restoration Hardware, take as much as you can.

If it’s at target, take as much as you can. I mean, if it’s a mom and pop boutique, where like, okay, different but like big corporations, I could not care less if you take, but like every item from Target. So now I have to, uh, pay more next time I go to Target because of that, uh, policy. Yes. You won’t even feel it.

You wanna notice it , but Pottery Barn, like if you’re taking some drapes from Pottery Barn, they’re charging like $3,000 for which you, I can get the same ones at Target for like 200. I’m not saying anything. Take [00:32:00] ’em with it. , my God. Uh, no. Like honestly, like if I saw someone shoplifting, I probably wouldn’t say anything because I don’t wanna get shot.

Cuz you never know. No, I understand what can happen. Yeah, yeah, yeah. Um, I may like, yeah, I would probably just turn around and walk out. Man. You wouldn’t even say something under your breath like, really dude. No, no. You kidding me? I want to in those types of situations, but people are crazy man. I know.

You’re right. I mean, you probably doesn’t matter where you are. People are crazy. , some Karen might turn around and fricking tase me. But, but, but this advice was not because of that, this advice is basically etiquette. Like, like, like ignore someone who’s blatantly stealing shit because it’s, I guess to your point, it’s none of my business, not my problem.

Look, if I just came back from Afghanistan and I’m in like a, I’m a Navy Seal. Yeah. I see somebody, uh, shoplifting. I, I might say something. I’m gonna say something. I want this one to be a PSA to everybody I ever go on a trip. Whoever put the most work into planning the trip gets [00:33:00] first dibs on the rooms.

Like Absolutely. I, I know, I, I mean this, this happened to Caroline for her, with her, um, house next year. She found it. She did all the legwork and someone else like claimed the, the good room. Yeah. And she’s bullshit, upset about it and, She’s having a hard time trying to rectify it cuz she doesn’t want to be the jerk and all that.

Yeah. So, yeah, that’s, that’s even more difficult cause you’re talking about living somewhere. Yeah. Yeah. If that was me, I’d be like, I’m not settling for the less, you know, the, the second best room. But on trips it’s like, you’re right, oftentimes, and two, it has to do with like singles and couples, right?

It’s like this couple gets that room cuz it’s bigger and there’s two people and it’s like, no, but I did all of this work. I should get my choice. That’s underst. For sure. I don’t think it is. No, I’m saying it should be on. It should be. I don’t think it is. How do you guys feel about, um, 79 if you lose or break something you borrowed offer to replace it?[00:34:00]

Yeah, absolutely. Right? Yeah. Who would not offer to replace it? I think there’s people that wouldn’t, Hmm. I’m, I, I go even like a step further. Like if you borrow something, if it’s possible to send it back in better condition, do it. Right? You borrow somebody’s car and it’s got like three quarters of a tank filled up.

Mm-hmm. put some washer fluid in it. Yeah. I mean, I just, that’s fair. I interact with people that like, have interacted and maybe, maybe I’m specifically thinking about my wife, who it’s like , like she ran over my brother’s tent, like my brother let us borrow a tent. So it was in like the packaging and she ran over it with the car and like ripped the bag that holds it.

And I’m like, what? Like we have to get ’em a new tent. Mm. We could probably just find the bag that holds it, but you may have damaged a tent. Like, and she’s like, no, just give it back. I’m like, we can’t just give it back to him. , now we have the busted tent tent with the hole in the cover and we gotta get him a new one.[00:35:00]

Yeah. And she like, looked at me like I was crazy. I borrowed, um, a sweater from my girlfriend. Long story ripped my whole jumpsuit down the side, so it was a pretty SOS emergency situation. Borrowed the sweater. Lost said sweater. I mean, I had it in my possession for like two hours and it was just gone.

Whether it was an Uber or a Barlo, I don’t know. And I sent her a gift card, which the sweater, I have no idea where she got it from. I have no idea how much money she spent on it, but I sent her, I think I had like a hundred bucks to Nordstrom and she. Shocked and appalled. She was like, Meg, it wasn’t even like a cool, like an important sweater.

Like you don’t need to do that. And I’m like, you gave me an article of clothing when I was in distress and I lost it. , like, your grandmother may have like escaped a concentration camp with that sweater. Notice like, I don’t care if it was $3 from Walmart, or maybe it was more than that from somewhere else, but like, what do you, how could I not [00:36:00] do

No, that’s the, that’s the right move You have to. I mean it, but the fact that she was so shocked that I did it, I was like, what did you expect? What do you feel about this one? Because I wasn’t really aware of this until somebody, one of Melissa’s friends said it. They said, Hey, why don’t you guys come over?

They invited our family over to hang out and have dinner. They weren’t like making dinner, but like, Hey, we’ll just order takeout or something. And she insisted that they buy the. Like, we couldn’t chip in at all. And I just, I, I never had heard of that before. Like if I say to my, like, to you, Mike, hey, why don’t you and Pam, the kids come over we’ll, like, order some dinner, whatever.

I never, now, I never realized that etiquette is, I pay for it all. Like there’s no splitting. The, the, the, the takeout bill. You pay for it as the host? Yes. How? Like I’m picking it up, right? I’m just, I’m just gonna pick it up, pay for it and No, no, no, no, no. Like you, I come on over and we’ll, we’ll just [00:37:00] order some dinner like we’re not cooking, but we’ll order some dinner.

You and the family come over and we’ll hang out. And then the etiquette is the host. Pay for it. Do not split it. Yeah, I would do it the other way. Like if I was the one invited over, I would insist to pay to pay for the food. , like, I’m, you’re hosting me. Even if I’m bringing food, I’m probably drinking or I’m using the bathroom, or I’m, you maybe did something to like straighten up the house, so like, I’ll bring the food.

Moses’s friend was adamant like, no, no. We invited you over for dinner, whether we’re making it or, or we’re doing takeout. We’re paying, we’re covering it. I was like, that’s interesting. I never looked at it that way, but I, I kind, I mean, I know I now I kind of feel where she’s coming from. I get it. Yeah, I don’t know if I’m like, so antis split though.

Like I’m not itemize the bill and divide 12 ways. But like if two families are hanging out and having dinner and it’s like you and all your kids and you and all your kids like, [00:38:00] yeah, if we spend 200 bucks on food, here’s a hundred, here’s a hundred E. Like that to me doesn’t feel inappropriate at all. No, I don’t think it’s inappropriate.

But yeah, I was, I was, Shocked to to see her side of it, which was now that we invited you, you’re our guest. We’re paying. Yeah. That’s interesting. Yeah. So generally speaking, do we think we’re polite people? . All right, let’s go. Move on to our top five. All right. Top five. Favorite entertainers with famous parents, and by favorite, it’s like people that you personally like.

Not sort of like just the most popular popular, right, right, right. And we We allowed for athletes. Correct. We allowed for entertainers, which is maybe actors, mu musicians, athletes. Yeah. Okay. So I didn’t know that they had to be our favorite. I just made a list of like, people that had famous [00:39:00] parents. We’ll, pick your favorites.

Yeah. Yeah. Like none of them I’m like, are like, oh, I really like that movie. But that, that, that, that guy’s in. So. Okay. It just, whatever it is. What? It’s . All right, I’m gonna go first. All right. Kate Hudson had her on my list. Kate Hudson’s parents are Goldie, Hans, her mom, her mom’s Goldie. Kurt Russell’s her stepdad.

Okay. Yeah. I’m a Kate fan. Yeah. Hard not to be. Yeah, she’s a cutie dude. She’s a romcom. Legend. Yeah. . Yeah. Um, okay. I’m like on a Miley Cyrus kick right now. It’s a good one. Yeah. , I, you could have Billy Ray as far as I’m concerned, but you party in the usa. Come on, slaps. As the kids say her new music is awesome.

Not a Disney Miley person, but, She’s really coming to her own. You can keep wrecking ball as far as I’m concerned. Yeah. It is like a little dramatic. Yeah. Uh, but I get that. Um, [00:40:00] the Curry Brothers, Steph and Seth, their father, Dell was a Okay. NBA player. Fair. That’s fair. Okay. I really like. Chris Long, former Eagle.

Yeah. Howie Longs. Mm-hmm. . And then the, I just kind of needed another one. , uh, Zoe Kravitz. Okay. Did I take a lot of people’s Just one. Took just one for me. Okay. That all right. That’s why I wanna do it first. . I’ll go if you want. Okay. I’ve got, um, I got Jeff Bridges, his father, Bo Bridges, or not, not Bo Bridges.

Did I just screw that up? , his brother’s, Bo Bridges. His dad is Lloyd Bridges. Okay. Yeah. Okay. Yeah. Okay. And I like Jeff. I, I think he’s great. I like him in everything he does. Jeff Bridges is good. Yeah. I’ve got, um, I can’t believe Meg, you didn’t do this one. Um, Dan Levy, father Eugene Levy. [00:41:00] Dan is the, uh, oh, that’s such a good one.

Chitz Creek. Yeah. . Oh, that’s such a good one. Yeah, I don’t know. You miss about on that one. Um, I got Brett Hall, father Bobby Hall. Okay. That Brett’s a Brett’s a Yeah. Hilarious dude. Great player, ex-player. Um, I’ve got Ben Stiller. Mm-hmm. . Ooh, that’s a good one. Because I like Ben and I think he’s great and everything.

He is great. He does. Yeah, he is. Yeah. And his father was fantastic. Dude. He’s king of Queens, right? His dad. Yeah. Jerry’s Jerry May be the. part of that show and that show’s good. Like he’s the best part of everything he does. I don’t know if I know him from anything else. Zoolander. He was in, oh my God, you’re right.

He is, uh, he was in Son Seinfeld. Mm-hmm. . All right. So, which you didn’t watch. No, that’s a good one. Uh, my last one, and this isn’t my top or anything cuz I’m sort of Luke Horn on this dude. Michael Douglas, his dad’s famous. Yeah. . He’s [00:42:00] dead now, but he was like a, he was in like Spartacus and all these like, oh, legend.

Michael Douglas is like a hundred. Yeah. I’m not a fan of Michael Douglas. I’m not a huge one either. I’m like his face . Really? Yeah. I don’t like his, I don’t think I mind his face. Think he’s like really sick, isn’t he? I think maybe. Yeah. Yeah. He’s gotta like 105. Yeah. He’s old as shit. Yeah, yeah, yeah. All right.

What you got you? I got Brandon Lee died during the filming of the Crow father Bruce Lee. Mm-hmm. . I have Angelina Jolie. Yeah. And you like, well, that’s, yeah. No, I didn’t, I didn’t base it on who I like. Who do you not like? Angelina or John? Angelina. Okay. Yeah. I like John because John’s, I like John. Awesome.

Yeah. Yeah. I got Jack Osborne, Ozzie and Sherry o Sharon Osborne, , what’s the sister’s name? You should have went with her. She’s more famous than, I forget her name. That’s probably why I didn’t include it. Uh, I was talking to Melissa about this last night and she out. She said this one wouldn’t be acceptable, but Hailey and Eminem, [00:43:00] that’s not acceptable because she’s not famous.

Correct. Okay. Then I’ll go with Liv Tyler. And Steven Tyler. Yeah, that’s a good one. And then my number one is Ziggy Marley and Bob. . Can’t believe that. Yeah. Good one. That’s good list. That’s good. I feel like Ziggy is actually your favorite. Like that was, yeah, like I like Ziggy and I love Bob. Yeah. Cool.

Well thank you for listening. Yeah. Go Birds. Go Birds. See ya.

Listen to our newest podcast episode where we discuss comparing your financial habits to your friends and sports broadcasting.  The full transcription is below or you can follow this link to listen.

Meghan Tait: [00:00:00] Hey guys, welcome to the newest episode of Untucked. Uh, today we’re gonna talk about comparing your financial status to your friends, uh, and we’re gonna discuss sports broadcasting. So we have a, a little bit of a quicker episode today, but we hope you enjoy it. Thanks for listening. The opinions expressed on this podcast are our own, and they do not reflect the opinions or views of FC Advisory, the Financial Coach group, or the New Wealth project.

Nothing discussed on this podcast should be interpreted as investment advice.

Hello, and welcome to episode 78 of Untucked. This is Megan

Jeff Mastronardo: and Mike. This is Jeff. Did you guys know that Alaska has more coastline than all the other states combined? [00:01:00]

Meghan Tait: That does not surprise me. Yeah, I was thinking,

Mike Traynor: saying , like if you asked true or false, I probably would’ve said true. Yeah, yeah, yeah. Okay.

Okay. Just a

Jeff Mastronardo: fun time. All right. That’s a fun

Meghan Tait: fact. Good. Take it. Um, where do, I guess we have to start with birds, right?

Jeff Mastronardo: I don’t know. Last night was pretty exciting. . Yeah,

Meghan Tait: I guess we could start the Sixers. Did you start there, Mike? Did you watch? No, didn’t watch the Sixers. I know

Mike Traynor: we’re this far along in this, and, and you’re asking me if I watched

Jeff Mastronardo: the Sixers.

They were playing the Nets. Okay. So that means, um, Ben Simmons is back in town. Like there, there’s, there was a reason to tune in. Dude. He got boo, not the mic, . Every time he touched

Meghan Tait: the ball, he got boo booed in warmups. It was awesome. Like he was doing a layup line and they were booing. It was hysterical. I actually, I was at the game.

I actually. at one point kind of started to feel bad because it was, look, I, I know so loud [00:02:00] every time he touched the ball, whether it was passing in the inbound, dribbling up the court, if he got the ball in the wing to immediately get rid of it, I mean, the booze started and stopped. with him, and then there was F Ben Simmons for like three minutes.

You heard it

Jeff Mastronardo: on tv, like loud and clear. It was awesome. ,

Meghan Tait: the, the Sixers had to put like the nba, um, like code of conduct policy on the screen after, after the. Three minutes of the F word. Um, but then he, I was saying this to Jeff, like he celebrated after scoring like his eighth point of the game in like the third quarter.

And I was like, yeah, I hate him again. Like, keep, let’s keep going. Let’s make them

Jeff Mastronardo: louder. , the first 27 minutes of the game, he didn’t score a point. Yeah. And then do what? Every time he took a shot, there was this excitement in the crowd like, oh, like kind of like laughing and then like it would go in and they would kind of giggle and cheer.

[00:03:00] If he missed it, they’d cheer even louder. Yeah. What was interesting to me, which I wasn’t expecting, it was clear. They all, all the Sixers hate him. Don’t like him at all. Yeah. Yeah. Like, and B, just wanted to bury him. Mm-hmm. George ne yang’s, giving him, uh, PJ Tucker’s throwing like a shirt on tv, throwing forearms into his back and rib section, to the point where Ben’s like holding his ribs and rubbing his rib.

Like, dude, Ben, what do you just get?

Meghan Tait: Get off the court. Yeah. PJ Tucker and George Yang didn’t even play with him. It’s hysterical. Yeah. They all hate him. Hate him. Every fan hates him.

Jeff Mastronardo: It’s just interesting to me because, and and he was doing the right thing. I Bead was just defending him. Defending him, defending him because he was his teammate and he had to, and he probably was trying to Will bend to become this person that he’s not.

And then once he was gone, he is just, F Ben, him, he, it was so obvious. And then Ben was playing like one-on-one defense with, against Joelle. I mean, it was mm-hmm. , what an awesome

Meghan Tait: game to go to [00:04:00] it. It was awesome. Yeah, it’s been like when my season ticket PA package came out, that one was like circled for me just because I knew the atmosphere was gonna be awesome and.

it ended up like it, it was an important game too. The Sixers have won, I think that was there like sixth in a row. Um, they’re now second outright in the East. Now. The, the Nets are without Kevin Durant, but I mean, Kyrie Irving’s playing out of his mind. So it was just like, it was a really good game.

Basketball wise. There was, I mean, there was, I think there were four techs. Yeah. Um, so it early, it was, it was chippy, it was emotional. The fans were into it. It was rowdy, it was a lot of fun. There was a

Jeff Mastronardo: moment where I think it might have been Kyrie, I’m not sure, dishes to, to and be or, um, to Ben Simmons, like three feet away from the basket and he just kicks it back out.

Yeah. We were just cracking up laughing. Yeah. Nothing has changed with this

Meghan Tait: guy. Nothing. If anything it’s gotten worse, but,

Jeff Mastronardo: um, no. And like the Sixers were blowing him. [00:05:00] And then it was tied late in the game. I mean, it was an exciting, exciting game to watch. Yeah, it was fun. Do we even want to talk

Mike Traynor: flyers,

Nah, there’s really not much to say. I mean, they’re, they’re just floundering along at roughly 500.

Jeff Mastronardo: Let me ask this, and we don’t have to spend a lot of time. How’s Torts doing?

Mike Traynor: He’s doing what he’s, uh, what he can, I mean, some people I love his, he’s, I mean, he, he’s honest and he’s, I think he’s really, really, good with the players in the sense that you know where you stand with them.

That’s always been the wrap on Tortorella in a good way. He’s doing the best he can with a mediocre bunch of players, and they’re exactly that. When they play a good team, they get annihilated. Hmm. When they play a bad team, they probably win more than they lose, and then they. an okay team. It’s a coin flip.

Yeah. And that’s where they are. So

Jeff Mastronardo: [00:06:00] Birds, birds, FFC championship. No, I don’t think any of us saw this. When, when we did our, when, when? When we started the season. Before the season started and we made our predictions, we predict them going to like one game away from the Super Bowl. , I

Mike Traynor: think all the, like, the, the records were like 11 and six or 10 and like they were playoff.

Jeff Mastronardo: Playoff playoff, yes. But I don’t think we ever

Meghan Tait: Oh, I don’t think we went that far. Yeah. Yeah. But like we were in, we, we predicted that they would

Jeff Mastronardo: make the playoffs be good. Yeah, yeah. Make it to the like, like make it to the NSE championship game and. Have a legitimate chance to win it and go to the Super Bowl.

I did not see that coming.

Meghan Tait: Uh, I mean, I guess if I, I don’t remember what I saw coming at the start of the season, but it doesn’t feel like something I’m, I’m not surprised they’re here, I guess is my point. Okay.

Mike Traynor: But I would you, you gotta probably say they have been, they’ve outperformed probably most expectations.

Absolutely. Just in how good they’ve been, how [00:07:00] consistently good they’ve been, and where they sit right now, which is, as you just said, Great chance to go to the Super Bowl. Yep, absolutely. Yeah. Did they play, were they at home the last time in the championship game

Jeff Mastronardo: when they went to the Super Bowl? Yeah, I believe they were, yes.

Yeah, they beat

Mike Traynor: Minnesota. They’ve even, okay. Right. I was thinking about that. I mean, I get they agree. I mean, I think their best players are better than the Niners best players. And if they, if those players come and deliver, they should win the game.

Jeff Mastronardo: Right. Christian McCaffrey scares me. He’s a, he’s a hell of a player.

We don’t have a guy like that on our squad. Right. Um, but our wide receivers are studs. They have a stud wide receiver in Deebo, Samuel and George Kittle Kittle. Um, we have a great tight end as well. I mean, I think we’re so evenly matched between offense and defense. It’s the same team. The difference is Ja, the quarterback is Jalen Hertz man and they get to Brock Pur.

I, I think you take a 15 yarder [00:08:00] earlier, early in the game, like somebody just rips through the line and rips his head off. , right. You take a 15 yard No, no, no doubt. No, no, no doubt. And if Jalen Hertz plays like he did last week, they win the game. Like, not even, not even a question.

Meghan Tait: Yeah. I, I think that as, as good as Purdy’s been in the situation, he’s been put into like NFC championship.

on the road in Philadelphia. Mm-hmm. . I just think the stakes are too high. Yeah. Like he doesn’t have enough experience and like that’s not a knock on what he’s done as much as it’s just the reality of what he’s gonna face on Sunday. And I would say that probably in a lot of other environments too. I’m not specifically saying it’s because he’s coming to Philly.

I just think it’s cuz he’s away from home that, I mean, it’s the most important game of his career thus far. Like that’s. .

Jeff Mastronardo: Yeah. We just, I, we, I don’t think they faced a defense like ours that has a great secondary, a great line, great linebackers. I mean, I just, they’re gonna, I think they’re gonna rip his head off the, on, I think the only way we lose, if Jalen pick, Jalen hurts us [00:09:00] to pick in the first quarter miles Sandals, Sanders fumbles.

Then we’re, then we’re done.

Meghan Tait: Right?

Jeff Mastronardo: Yeah. They gotta take care of the ball. Yeah. Right. We, we turn the ball over. I think we’re done. Yeah. I can’t freaking. We were in a meeting yesterday and we were talking to our client about the game. I hadn’t really talked, talked to anyone about it, and I was like, oh my God, I wish the game was on right now.

I’m so geeked up for it. I can’t wait.

Meghan Tait: A 3:00 PM starts perfect too. Perfect.

Mike Traynor: Great. Would it be if Colin at a game at three o’clock ? Oh, I,

Jeff Mastronardo: I wouldn’t go. I wouldn’t go.

All right, so you’re all, I mean, you’re all predicting they win Birds, win birds. Yeah, I, yeah. Birds win. They go to the super. Yeah. Wow.

Meghan Tait: All right. Uh, so for Coach’s Corner today we read an article and ti uh, titled Why Your Friends Are Usually The Worst Place to Compare Your Financial Habits. This is written by Katie.

Tain. She’s a blog Money with Katie. Her article’s an interesting read about finance, [00:10:00] financial habits, developing them, sticking to them, and comparing them. When we make new friends, one of the criteria for choosing someone is definitely not their financial responsibilities. And Katie’s article drives this point even further by saying that our friend should also not be a barometer for our own financial decision making.

Jeff Mastronardo: I mean, this seems so obvious. Yeah, right. , I think we are all subject to it. Maybe you don’t act on it, but it definitely enters the back of your mind. Yeah, right. Like you walk in your friend’s house and it’s like freaking gorgeous and it’s a McMansion and you’re like, man, like, why don’t I have that? And then you, you, you, you can start thinking about that.

I mean, I don’t think we’re all wired to like get obsessed about it and, and take action about it, but to, to say that it doesn’t hit your brain. You’d have to be, you’re lying. You’d be lying. Right? If Meg, if you bump into your friend and she just pulls up in a brand new like [00:11:00] CL 2000 Mercedes, what? I don’t mean, it’s not even a model.

es Mercedes. You, you have to be like, damn, how’s this Tammy afford that? Yeah. Like, man, now you wouldn’t, you probably wouldn’t say, what am I doing wrong? Right. But, I think it happens to everybody and it’s just human nature and it’s a really poor, um, psychological emotion that we have.

Mike Traynor: Yeah, yeah. Um, but I think there’s a wide range of, um, a, a, a big spectrum of how much it impacts different people.

For sure. Cause I know for me it’s low on the scale of registering with me. I just don’t. Give a shit like, I don’t about that stuff. It doesn’t, I’m not saying it’s not, you’re not aware of it maybe. Sure. Yeah. But I feel like it doesn’t, I don’t sit there and like, think about it or wonder what am I doing wrong or anything.

Like, I don’t, I just, it just doesn’t, doesn’t matter to me. I guess that much [00:12:00] I feel, and, and I’m not disagreeing with what you said, it’s, but I, I think it’s varying degrees in a big way across people for sure.

Meghan Tait: I think you to say you don’t care though makes you more of the exception, more of the minority.

I think more people care and I, I feel like I’m kind of where you are too, and so, but I, I guess my experience with people is that it is way more of the other side. More people notice it. Care about it to the extent that they, they want to know like, how much is that person making, how much did they spend on that thing?

And then like, why didn’t, why can’t I, or why don’t I, or, or should I, I, I do think it’s more. triggering to people than not.

Jeff Mastronardo: 100% agree with you. Yeah. You’re in the minority. Yeah. I think we all are. Yeah. Mm-hmm. , like my example of the Mick Mansion, like I walk [00:13:00] into people’s houses like that. I’m like, holy shit, look at this, please.

But then I leave and I go, I kind of like my, my, my home and how it’s not that grandiose at all. Like there’s nothing grandiose about it and it’s comfortable. People walk into my home and like, this place is nice. It’s like, it makes me feel. Like, I’m welcome here. Yeah. Not that those other places don’t.

Sure. But it’s just different. It’s not a Pottery Barn catalog. So we, I think we all, but the majority of people, I mean, I have buddies that are like, I remember like when we got outta college, how much do you think, how much do you think he makes? Mm-hmm. , how much you think that guy makes? Mm-hmm. , how do you think they afford that?

Like, I don’t give a

Meghan Tait: shit. Mm-hmm. , I don’t spend a second thinking

Jeff Mastronardo: about it. No. Yeah. And what’s interesting is how many times clients of our. , like when we first meet them, they, they lay out the paperwork, they give us the goals, and they, they’re watching us kind of go through the fact finding process, like where your money is, how much you make, and they, I mean, there’s so many [00:14:00] times they say, so where’s the stack up?

Where we stack up against people our age and in our demographic, like, it’s unbelievable. They just want to know that they’ve done the right. When it means absolutely nothing. Yeah. Mm-hmm. , I don’t care. Like who cares? If your friend who’s 25 or 30 years old has half a million dollars saved up already, if you’re the same age and you have 200 grand saved up already, and that puts you right on pla pace to meet all your goals.

Like who, who cares? Don’t worry about that. Mm-hmm. , it’s ama, like that’s a common theme that we share all the time. Like when, when it comes to investment returns, like don’t compare yourself to anyone else. , but we’re, as humans, we’re just, we love, we want to know, we want to compare.

Meghan Tait: Yeah. And then I think, and, and we belabor this point so we don’t have to spend a ton of time on it, but like, The social media aspect of our lives now, it’s like, yes, there’s the, the [00:15:00] questions when you’re talking with someone one-on-one, but then it’s seeing your friends or you know, your coworker, whomever on a sick trip or buying a new car or you know, taking an insane vacation.

And it’s like, How can they afford to do those things? And I’m sitting here at my desk, like . Um, so I think it, it, it goes beyond like the balance sheet itself, and it’s the, the way people spend their money and the experience that they spend them on. And like, because everybody else touts that on social media, you feel like you’re inundated with other people doing things, and then there’s the like, Why can’t I, the natural, I think

Jeff Mastronardo: reaction to it, it’s overwhelming and, and it must be overwhelming.

I mean, we have so much time advantage and industry advantage over most people cause we live in this. Yeah. But if I was 35 years old right now, I mean, I just think I’d, I’d be overwhelmed with fomo, um, because of social [00:16:00] media and things like that. Yeah. And

Mike Traynor: I think if you’re a person that when you’re young or really at any age, but if you’re a person who’s constantly comparing yourself,

Um, it doesn’t matter how much financial yeah. Success you have, you will always be doing that because there’s always someone who, there’s always many people who make more, have more than you. And so that’s a vicious circle to be in that will never end if that’s part of your dna and you don’t find a way.

Preventing yourself from doing that. Cause it’s not like, oh, I finally gotten here and I’m not gonna do that anymore. You will always

Jeff Mastronardo: do that. Yeah. Mm-hmm. .

Meghan Tait: Yeah. And her article kind of like lays out what we just described and then how it, you know, how it impacts you and then impacts us financially. I mean, her example is the one we’ve talked about before.

It’s like the crypto, right? Like people who get rich overnight and then everybody thinks. , I can have the same experience or the result will [00:17:00] be the same for me. So then they’re making decisions outside of their goals that are not connected to what they truly want or need, and they’re risking capital or risking their financial plan or financial livelihood.

So it’s not just the, the element of like, , we’re all different. All of our experiences are unique and, and that’s okay. It’s the next, it’s the risk that people are willing to take for what? Right. To be able to say like, I did that too. Or I have that amount in the bank too. And yeah, it just is all for,

Jeff Mastronardo: for what?

For what? She referenced something about when she was talking about, you know, it’s, you shouldn’t spend a whole lot of time obviously, comparing yourselves or, or, or talking to your friends about this stuff because she said the fact, um, in fact that there, there aren’t many people who are excellent at personal finance in general, which is I think a great statement.

Yeah. Like most people aren’t. Good at it, so don’t talk to those people. And then [00:18:00] she’s, she said something, I mean, I agree with, but I kind of don’t agree with, um, I mean, I thought it was a really great article. I thought it was a great read. I thought it was a good read for people, uh, for everyone to kind of dive into.

But she was saying like, start to blog or, or start to like read blogs and, and Insta and kind of do your homework and, and follow like some influencers that like, that will give you like financial information. I’m like, that’s good because you’re educating. But there’s so much bad information out there. As we saw Susie Orman giving us wrong future value calculations for people.

Like the best thing you could just go hire somebody. Go like, and she did mention that. Yeah, like find a, a fee only or an hourly planner that can just help you. I think that’s, that’s the solution. Like you can waste your time. online, trying to figure stuff out or just hire somebody competent.

Meghan Tait: Yeah. And then I think the exercise, she said even if you don’t even go that far, like where was I five years ago?

Yeah. Where am I now? Right. Because nobody else’s trajectory matters in, in that, um, in that type of [00:19:00] exercise. So I think. Taking the time to do that could be beneficial for for people as well.

Jeff Mastronardo: What my favorite part of the article was when she was talking about like, you shouldn’t choose your friends based on how they interact with money.

Despite what all the hardo Twitter think boys will tell you about the types of friends you should have in your thirties. , if you like Paula as a friend, because she’s the first one to take her top off and hop on the mechanical bull. That’s good enough reason for me, . And by the way, what is she doing this Friday?

That was my

Meghan Tait: favorite part of the article. . All right, so now we’re gonna talk about sports broadcasting. The article we read, Tony Romo hasn’t had the greatest playoffs. Why Jaws Wasn’t on NBC Sports Philadelphia. This was written by Rob Tono from the Philadelphia Enquirer’s article criticizes Tony Romo’s Broadcasting Skills.

Um, and it got us talking about kinda sports broadcasting more generally the value in it, whether or not we enjoy it.

Jeff Mastronardo: The article was super timely , [00:20:00] because I watched, or I listened. No, I watched the Bengals Bills game and I, and I, I was listening to, to Romo speak during the. and it’s the first time, cause I was, I was in my car, I was driving home from New Jersey, my son’s hockey game.

So he had Hulu on, on his phone and I could hear, I wasn’t watching, but I could hear it. And I typically kind of tune out the TV announcers. I, I, I’ve noticed, I really don’t pay attention to them, but I, this time I had to, cause I couldn’t watch the game and he was awful. And in the past I’ve listened to Romo and he’s pretty good.

Yeah, he was just like fawning over the Bengals and how like he just kept saying the same thing over and over and then I re and I see this article the next day. I’m like, okay. So I wasn’t the only one, and I’m not usually not that observant, but like I wasn’t the only one that felt this way, but I don’t really pay attention too much.

I feel like if they’re really [00:21:00] bad, I notice it more than if they’re really. With one exception, John SMT storing the playoffs.

Mike Traynor: Yeah. Bring that up as a, as a separate thing. But yeah, so I liked Romo. I always have, I didn’t listen to the game or I didn’t watch much of the game, so I didn’t see his performance.

And maybe it was bad, but I like him. I think he’s, I’ve always found him to be pretty insightful. And to me, football is the, the, the at the top of the list of sports that needs a good color, uh, analyst, because think about it, you. , you have a handful of seconds, and then about 25 to 30 seconds of, we have to show replay and talk about what happened and why, and who and all that every single time.

Mm-hmm. . So it’s like probably the most important color job is to be a football color guy, or, or, or woman. And I think Romo’s pretty good at it. I can’t stand collinsworth. He’s cringey hate him. It’s terrible. Um, I like Troy Aikman at it. [00:22:00] Um, who else? . I don’t know, but I like, I think, I think it’s, um, I think it’s important.

I think it adds a lot to the game because remember they did, they would do like these football games and they would have no announcers and they, it was kind of a experiment and it’s just basically just silence. And you’re just hearing the, the oos and the, the pads crap. . It’s

Jeff Mastronardo: a, it’s like unwatchable. Yeah.

Can you do without the sideline reporters or you like them too?

Mike Traynor: No, I don’t. I can do without them. I can do without them cuz they’re just, they don’t. to me, they don’t add much other than like an injury update or,

Meghan Tait: or an interview at halftime or something. What you think. Yeah.

Mike Traynor: Yeah. But, um, I, I was thinking about the other sports too, right?

So going to baseball, like I was thinking, oh, baseball’s the one sport that’s like, you don’t have to be anything to be a baseball announcer, play by play or color, cuz nothing’s happening. And you basically just tell stories the whole time. And then, oh, and that ball’s up outside, wind up. And by the [00:23:00] way, What I was saying, like it’s just so nothing going on.

But Jack, to your point, Smeltz was awesome in the playoffs. He was

Jeff Mastronardo: awesome. Yeah. I’ll listen to that all day long. Cause I agree with you. I don’t think you need a whole lot in baseball, football. Yes. You have to feel dead air basketball. I mean, it’s, I’m, I’m watching what’s happening. Hockey. Hockey, hockey is hockey’s hard to do because I can’t, you can’t follow the puck.

You don’t know like where stuff is. The

Mike Traynor: play by play person in hockey has a hard job because, It can be minutes without a whistle. Mm-hmm. and the puck’s always moving. Something’s always needing to be described. Who has it, who did what? Um, no other sports like that. Mm-hmm. , I think that’s a very difficult one to do, and the people that are really good at it are like, unbelievable, like how good they are at it.

And hockey’s good to have a good color analyst in there as well. I think I, I think it adds a lot to it when they’re, . Um, but to your point, Jeff, when they’re bad, I think you do notice very much so, um,

Jeff Mastronardo: in any sport I noticed. [00:24:00] Yeah, I noticed the, the, like, Richie

Mike Traynor: Ashburn, like Richie Ashburn would just sit there and be like, for Harry Callus and be like, yep,

Like he wouldn’t add anything. And then some of these guys are pretty like, like SMTs. I mean, they’re great at, at adding insights that you never would think

Jeff Mastronardo: of. I mean, zoom off was awesome.

Meghan Tait: Zoom off was awesome. Kate. Scott’s really good. I know you don’t like her, but she’s a very good commentator. She

Jeff Mastronardo: may, she said a word last night.

It was like, skip a do or something like that. Did you hear that? No. I was at the game. No. I didn’t know if you saw anything on Twitter. Because then, uh, ala ripped her for it. Like he’s ALA’s the worst. He used the word kind of, and she’s like, yeah, I’m sorry. I’ll never say that again. And then Taryn. Hatcher was doing like an in between the quarters thing and, and used it too, like busting her stone.

So, yeah. Um, she’s growing on me. I’ll give you that. Yeah. I, I, I honestly, I just don’t, I don’t really feel like I need the TV announcers. A lot of times when I’m watching a game or having [00:25:00] people over, I don’t. , you know, I don’t even really have, the only time is like when something happens, like there’s a flag thrown and guys are yelling at each other and I have no, I, if I can’t hear it, I have no idea what’s going on.

Yeah. And I’m like, all right, everybody shut up. Like, let’s, let’s listen to the announcers. Yeah. But on a play, play by play, I, I, I really, I, I don’t lean on ’em too much. I

don’t

Meghan Tait: know enough about football to go like, , no announcers. Like, I need context. I need help. Same thing with hockey. I don’t watch a lot of hockey, but like for my benefit to actually understand more of what’s happening, even if they’re bad, I don’t know enough to know they’re really bad.

Whereas basketball, I can be hyper critical of people. Mm-hmm. , because I don’t even know that I can think of an example where someone’s wrong. It’s just. The information’s stupid. Like it, it’s not helpful. It’s not entertaining, and that’s where I feel like ALA shakes out. He is. Not entertaining to me. He just talks to talk.[00:26:00]

And I feel like he takes away from Kate who knows what she’s talking about, articulates in a really like succinct and easy to understand way. And then you have him just b blabbering in the background about nothing. Yeah, he is a bit of, bit of a goofball, but, um, so I don’t hate him. I do, I like so clearly

Um, and then like for baseball, Mute and Jack Johnson on the background, like, I could not care less what anybody has to say about that sport. And that’s, again, like, that’s not even me not knowing. That’s me not caring. .

Jeff Mastronardo: I, I don’t know what they need to tell you. Yeah. Like I can see if it’s a ball or a strike.

It’s on the screen. I could watch the ums reaction. There’s very little to

Mike Traynor: add to very little what you’re watching, right? Very little. Yeah. It’s like you’re watching a game with your buddy with like, eh, it’s a nice double play turn. . Yeah, it was, yeah. Okay. Well, so gimme something else. You got, you

Jeff Mastronardo: need more

[00:27:00] Are you guys looking forward to Brady being a commentator? .

Meghan Tait: I mean, I don’t hate Brady the way you hate Brady. I’m kind of indifferent towards him. I, I was gonna say, I’m neutral on, yeah. I mean, like, I, I don’t think I’m looking forward to him being a broadcaster, but I’m also. Devastated that he’s gonna be a broadcast.

I

Jeff Mastronardo: hate his stupid face. I’m tired of seeing him. I wish he would just go away. The fact that he’s gonna still be in football. Yeah, I, I have, I hope, I hope he’s got awful. And after a year, they’re like, all right, take your 300 million and just go away.

Meghan Tait: He’s not gonna be bad, dude. Oh, sorry. I don’t love Aikman.

I don’t love Buck Joe. . Yeah, he’s

Mike Traynor: polarizing.

Meghan Tait: He needs to go away. My man is on every sport. Like does he have a family? Does he do anything? No. Except talk about sports. No. Um, Colin Worth’s bad. Yeah. Um, I mean, obviously we’re lucky with [00:28:00] Merrill. I don’t know if other cities let’s radio cities. I know, but it’s still like a form of sport broadcasting.

Jeff Mastronardo: I mean, we’ve, we’ve been lucky that way radio wise. I mean, callous. . Yeah. I mean McGinnis, I mean, we have rock stars in this city, dude.

Meghan Tait: I don’t know. I’m sure other cities have.

Jeff Mastronardo: So

Mike Traynor: when there’s a national broadcast, um, and you’re getting the national announcers Yeah. Let’s say playoffs, whatever, whatever it is.

Do you prefer that over the homers that we have or would you rather have a

Jeff Mastronardo: Homer call in the game? No, no, no. Homer. Gimme a homer. Yeah. I think the national, whenever I watch, and this is one of my beefs with TV sports. . In every sport, in every game, the announcer’s gonna say something to the effect, like this Fletcher Cox, he is the best, like outside linebacker in the game today.

Like there’s always, they always call someone the best at something like, Every game like you just told [00:29:00] me, like that guy from last week was the best outside line. And I know Fletcher Cox is an outside linebacker, but I just couldn’t think of whatever position he is. Right. Tackle whatever they always do that he’s the best or she’s the be like, no, you can’t call everyone the best.

It drives me crazy.

Meghan Tait: Yeah, clearly. Wow. Um, I, I guess I’m thinking about Sixers specifically. I don’t mind the national broadcasts. Like I love Doris Burke. Everybody hates her, but I think she’s a really good broadcaster. She’s terrible. Um, JJ Reddick is broadcasting now and he’s smart and enjoyable. So like I can get down with a national broadcast here or there.

Um, . I don’t know if I have a preference. I, I don’t know if I, if I can answer that, like I’m not, I know I’ve talked a lot about Kate Scott and how much I like her. I’m not so excited by her that I would, I could say blanketly, like I prefer the, the Homer, but I don’t know. I don’t think I have a strong opinion on [00:30:00] that.

Jeff Mastronardo: You don’t prefer the Homer? I love it.

Mike Traynor: Um, I’m just thinking about the flyers. I think Jim Jackson is really good. He’s good at what he does. I think he’s great. He’s good, and he has, I mean, he’s just good and he, and he’s not like, he’s an ex-player. Um,

Jeff Mastronardo: he is not a homer.

Mike Traynor: He’s, he is a little bit better. He doesn’t go over the top.

Right. He’s, there’s some other cities where it’s, it’s unbelievable when you listen to. The home broadcaster stuff. Yeah. Um, so I mean, I think if he’s, if the broadcaster is good, like Jackson, I’m fine with it. But when I watch a game, it’s a national game. I like, I kind of like the call from the, you know, the neutral people.

Jeff Mastronardo: I always find that they’re not so neutral. Right? Like if it’s Sidney Crosby, they’re just like bawling all over Sidney Crosby. Or if it’s LeBron James, they’re bawling over LeBron James like, stop. They’re not, they, they, they gravitate to the, the stars of the game, which I guess they have to, but it’s annoying to [00:31:00] me.

Yeah.

Meghan Tait: A lot of things annoying to you. . Sorry, Tom Brady? Yeah. National broadcast. , Fletcher Cox. Actual position. All

Mike Traynor: right. moving on.

Jeff Mastronardo: Yep. Top five. I love my top five. Yeah. Yeah, I do. I really

Meghan Tait: do. Top five red flags when meeting someone new. Yeah. You wanna go first? So,

Mike Traynor: oh, just con for me, just thinking about the, the context is like, right, the normal situations could be social.

Mm-hmm. could be business. could be, um, sitting next to someone on an airplane. I mean, just any of those kinds of things, right? Yeah. And for me, I have red flags and I don’t mean any of these are like. Deal breakers, like some of them are just red flags and it turns out to be that the person’s okay. Okay.

Right.

Jeff Mastronardo: Okay. Go ahead. Why don’t you [00:32:00] start? Ooh. You don’t wanna go first. I don’t. I don’t. He’s got like a bunch of, I feel like we

Meghan Tait: might have some overlap. That’s why. How about you go first since you love your top five.

Jeff Mastronardo: Okay. Um, when someone asks if they can, um, spend the night with your spouse for a million dollars.

I just think that’s an immediate red flag.

what was that movie? What was that movie? Uh,

Mike Traynor: indecent proposal. In proposal. And it literally popped up on like my Hulu movies thing recently. It’s so funny. I’m joking.

Jeff Mastronardo: It was a joke. It was a joke. Okay. When someone asked you how much you bench, squat and deadlift doesn’t happen to you guys?

Mike Traynor: Nope. Okay.

That’s another

Jeff Mastronardo: joke. All right. . So

Meghan Tait: he’ll be here all week weekend then? Yeah. .

Jeff Mastronardo: The top two buttons unbuttoned of your, of your dress down shirt. Mm-hmm. for dudes. It’s, it’s an immediate red flag for me. I’m immediately like, I hate this person. Yeah. It’s pretty good one. And I have good, good friends that do it.

So maybe that falls into your category. Exactly. Yeah. Yeah. It’s a red flag for me. That’s a good one. [00:33:00] When someone’s too flirty with your significant. Or, or anyone else’s significant other. When I see that, when I meet them and they’re just like too flirty. It’s a red flag. . Um, when people ask you like conversational questions, if you can live anywhere in the world, , where would you wanna live?

Like, come on cuz You just want me to ask you that question. It drives me crazy. I hate and it means you have nothing else to talk about. . Um, when people talk politic, When, when you first meet them, that that’s a, that’s a no-go for me. And my last one, when someone only talks about their job, to me it’s just they have nothing else going on in their life.

And it’s like, how about that junk bond market like,

Mike Traynor: You like, you hang out with people that do that?

Jeff Mastronardo: No, I don’t. But if I, but that’s why, if I’d be a red flag. Okay. [00:34:00] I don’t just talk about their job and their job and their job. It’s like, dude, shut up.

Meghan Tait: Okay. All right. Um, so I have people who interrupt, like if you meet someone for the first time and you’re trying to hold a conversation and they’re.

constantly interrupting you or the other people in the circle. It’s like I, I have no interest in talking to you anymore.

Jeff Mastronardo: That’s like a great one.

Meghan Tait: Um, cheap people. So you’ve, you’re going out to dinner with friends and like someone asks to itemize the bill. Yep. Yeah. Good one. Never going out to eat again with you.

Yep. So mine are a little bit more black and white. Like . Yeah, yeah, yeah, yeah. People who, that that’s, this is kind of like something I do, but, um, people who talk shit, so like, You’re with somebody and they walk away and then somebody starts talking about the person who just walked away. Yeah. It’s bad quality.

Yeah, it’s gross. I [00:35:00] probably do it a lot. I probably do it too, but I don’t like it. . Try not to. People who are constantly taking pictures, you’re out to dinner, like we’re taking pictures of our food, we’re taking pictures of ourselves in the restaurant. Like I can’t picture posting pictures, snapping

Jeff Mastronardo: and posting.

I’m with

Meghan Tait: you. Yeah. Yeah. And then cuff links.

Jeff Mastronardo: Yeah. Yeah. That’s my fifth cuff links are, it’s a, it’s an immediate red flag. Yeah. Cuff links and the two top buttons on button. Oh, geez. Oh dude. Run. This is the worst

Meghan Tait: person on the planet. .

Mike Traynor: And a $20,000 watch . Yes. Okay. I got a bunch. So I’m gonna have to, um, I’ll start with name

Jeff Mastronardo: droppers.

Okay. That’s a good

Mike Traynor: one. That’s a good one. Um, you know, say no more. We know what that is. Yep. It’s, yeah. Red flag red. I’m gonna say, um, someone who brings up anything to do with astrology when you first meet them, like, oh, you’re a Taurus. Ooh. That’s like, [00:36:00] something like that. That to me is like red flag Central.

Meghan Tait: Yeah, that’s a good one. .

Jeff Mastronardo: I can’t say that I’ve like, that’s happened to me recently. But

Mike Traynor: yes. Or, or there, you know, your birthday comes up or something and then somebody comments, oh, you’re a Scorpio. That means, you know something,

Jeff Mastronardo: I’m out. It hasn’t, it doesn’t happen to me much cause I don’t hang out with people like that.

But then I do meet people like that, do that, and I’m like, red flag. Yeah. immediately get away from this person.

Mike Traynor: Um, people who use stupid phrases like an example is, uh, yeah, we’re pregnant. Um, no, only one of you’s pregnant. . Now, if you said we’re expecting Yeah. You’re, you’re both expecting, but only one of these

Jeff Mastronardo: pregnant, I think you’re supposed to say, we’re pregnant.

No, no. I think you are. That’s a red flag. It’s not. It’s what you’re supposed to say. Not like she’s pregnant. I had

Mike Traynor: a bitch over There’s pregnant. I didn’t [00:37:00] say that. I said, no, but that’s what you, we are not pregnant. And to use that term to me

Jeff Mastronardo: as a red flag, the, the society’s changed . That’s, that’s the. It’s shame just way, dude, I’m just helping you.

I’m trying to help you out. That’s what you do now, , you don’t say the bitch over there is pregnant. She’s pregnant. Nobody said the bitch over there. Well, you don’t say, yeah, uh,

Mike Traynor: she’s pregnant. Only one person is pregnant in this scenario. We’re just gonna have to

Jeff Mastronardo: disagree. Okay. We’re pregnant. Okay, we’re pregnant.

Mike Traynor: Um, my next one is those people. refer to themselves as a full first name, for example. Hi, I’m Alexander, not Al, not Alex. Not even Xander. Yeah, Alexander. Really? Yeah. Yeah. Or Elizabeth. I’m Elizabeth . How about Beth? How about Liz?

Jeff Mastronardo: No. Yeah, gimme your short name. Cause I’m not going formal name. You

Mike Traynor: know there’s a, it just says a little.

That’s a red [00:38:00] flag. That’s all. Yeah, that’s all. , um, . And then my last one I’ll use is, um, man buns. Now some people have long hair and they time, time to time have to put it in a man bun. But when I see a man bun, it’s a red flag.

Jeff Mastronardo: Now, I don’t disagree. I don’t disagree. Again, this, this, this, you and I don’t always see eye to eye , but that one I, I.

It’s

Meghan Tait: just a bun, .

Jeff Mastronardo: It’s a stupid look. . It’s a stupid look. I don’t even like to see it when the dudes roll it up at the gym. It’s like, put a hat on or something, man. It’s a dumb look. I, I don’t like the man. Thanks. Thanks. Okay. All right, Liz. The red flags, that’s my five. I think Mike wins that one. Yeah. Yeah.

Okay. Although the interrupter, you know why I’m, I’m partial to that. . Yeah. You hate interrupters? No. My wife is the biggest. . Interrupter

Meghan Tait: [00:39:00] on the planet. Maybe that’s why you hate them.

All right. Alright. Till next time. Thanks for listening to ya. Go Birds.