Are you ready to get intimate? Really intimate? Bare it all and totally expose yourself with your partner? We’re jumping into financial bed with Erin Skye Kelly to learn about the relationship-saving power of scheduling regular “naked money meetings.” Rather than sliding the uncomfortable conversations under the rug, Erin shows us how to confront the topic and overcome you and your partner’s money blocks and win together. Take Erin’s Naked Money Quiz for free to get real with yourself and face your money blocks.
In our headlines segment, we hear about the next best thing since sliced bread…or not…in the form of a spot Bitcoin ETF, possibly coming soon to a broker near you. Bitcoin is an incredible world-changing technology, but does a Bitcoin-based ETF deserve a place in your financial portfolio? We dig in. Doug brings the heat with his old-school gaming-themed trivia question. And Stacker Zachary (“Stackery”?) has a question for us about the worst advertisements ever.
Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201
Watch On Our YouTube Channel:
Our TikTok Minute
Erin Skye Kelly
Big thanks to Erin Skye Kelly for joining us today. To learn more about Erin, visit erinskyekelly.com. Grab yourself a copy of the book Naked Money Meetings: Ending Money Fights with Your Partner Forever.
- How many units of the Atari 2600 were sold between its launch in 1977 and its final day of production in 1992? Was it 3 million, 30 million, or 300 million?
Need life insurance? You could be insured in 20 minutes or less and build your family’s safety net for the future. Use StackingBenjamins.com/HavenLife to calculate how much you need and apply.
- Zachary wants to know: What are some of the worst advertisements our team has ever seen?
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Join Us Wednesday!
Be sure to tune in this Wednesday to hear Joe’s conversation with Coach Carsen all about real estate investing!
Written by: Kevin Bailey
Miss our last show? Listen here: 5 Financial Fitness Exercises To Gain Money Muscle (REWIND) ep 1406
It’s Monday morning in America. Oh, smoker’s cough, smoker’s cough. Gotta get it going, actually. Gotta get the motor running. But you know what? I was able to travel very safely and calmly across the United States to get here, to be here with you gentlemen this morning. And it’s because of those people protecting us, protecting our borders, making it easy for us to just gallivant across the u s A as Doug likes to say.
Or is it skip Doug? Do you say skip?
I say trolling. I don’t know what that word means, but I trollop Yes. Across the u s a. So our
trollop, Doug, og. And I would like to big salute to the to, to the, to the toast. Toast the troops. How about that? Raise your mugs on behalf of the men and women. Whole
picture showing Joe’s cleavage as your
Look at that. That is nice. Remember
when you didn’t have that neck fat up there?
It’s P H A T. It’s a gizzard like fat, P H A T. It’s a gizzard. I bet half of the men and women making podcast. And Bob’s basement and men and women at Navy Federal Credit Union. Here’s to our troops. It’s ghost stacks and Benjamins.
I look out my window
and I see my neighbor, Doug,
poor, lazy, deplorable Doug.
Live from Joe’s mom’s basement. It’s mom’s Stacking Benjamin,
I am Joe’s mom’s neighbor, Doug. Wish your financial situation were sexier. Well, today we learn how to spice things up in the bedroom and every other room in your house by communicating with your partner about money With Aaron Sky Kelly for our TikTok minute, we’ll prove you can still look great while saving a buck in our headlines.
Crypto is in the news. Again, time to put on your diamond hands and go all in. We have opinions. Plus we’ll throw out the Haven Lifeline to stacker. Zachary. Shouldn’t that be Stackery Zachary? Anyway, who wants to know which companies are leaving money on the table with their lackluster ad campaigns? Lisa said she’d gimme five bucks if I said Stackery.
So that’s why I did that. And then if your game, I’ll share some joyful trivia. And now two guys who I like to describe as Indoorsy, it’s Joe and O.
Hey there, stackers, and happy Monday to you. I am Joe Saul-Sehy, and across the card table from me, the most indoorsy guy we know. Mr. Og, how are you my friend? Happy Monday. I’m a little
indoorsy. Uh, only ’cause it’s a thousand degrees, although I get outside every day now. Like I, uh, I’m a, I’m a, well not a pro.
I wouldn’t call myself a pro cyclist at this point, but, uh, you’re stopping just
short of that. I’m
moving towards, the big question is, is. Uh,
he’s got an electric bike and he’s considering joining some races. I do not have an electric bike. The first,
thank you very much. First professional cyclist with a huffy.
Laugh if you want. I just got a brand new bike. Oh, nice. I’m
loving it. Fantastic. You upgraded to the Schwinn now you got the Schwinn. I got rid of the Schwinn thing. Oh, settle down. It sucked. Schwinn’s a good brand. Hey, welcome to the, Hey, we like to bicycle podcast. I’m Joe Salsey. Hi. Every show Money on Twitter.
We already said that. Did we? And I’m going right back into it. I, I’ve been outta the office for just over a week and I’m losing it. But you know, we’re gonna get it back together here because Aaron Sky, Kelly OG is back. She is back. People may know her as, uh, somebody who does a lot of touring with a little guy named, um, Tony Robbins.
There’s nothing little about Tony Robbins. There’s really nothing
small, big hands.
His teeth are as big as my ears. He does
have big teeth, but Aaron’s guy, Kelly does not. She has a great, great new book, uh, where she’s talking about getting outta debt. And for people that didn’t hear Aaron when she was on the show a couple years ago, we’re about to have some fun talking about getting naked with our money.
Oh gee. But before that, we got a headline. But before even that time for me, I think guys to, uh, show you my, my slideshow of the Doug, you were asking about my trip out west. I
love your slideshow. Oh, PowerPoints. I really do. Here we go. Yeah. I would prefer it if you just did the slideshow and didn’t talk.
God. Well, hold on. That’d be great. How about, how about if I showed these guys the slides and I did this? I.
That’s great, Joe, but I’d like to see something other than your hotel room.
Oh, uhoh. Well, we, we went to this bakery. Take a look at this. Isn’t that great?
Those are the most lewd donuts I’ve ever seen.
We, we got Air Sky, Kelly. That’s just disgusting. Nothing
better than, I guess, bakery in Colorado. They can do whatever the hell they want now.
N nothing better than a, than a Hertz donut, as they say. No. No. What? No. Anyway, Aaron Sky Kelly is here. Let’s go.
Darlings. And now it’s time Feel favorite part of the show, our
Stacking Benjamins headlines.
I’m gonna apologize to everybody because I’m just like a pony with a cough. Oh gee, I’m a little hoarse. No, God,
just, is Len writing for you? Now? Is Len Zo your own personal joke? Fire?
I, I, I dunno. Today’s headline comes to us from C N B C. People are like, God, you guys were off last week. Why don’t you stay off please?
A spot Bitcoin, E T f, OG A spot, Bitcoin e T F. Great. Much closer to reality. But investors aren’t quite there yet. This is written by Bob Pisani. Uh, Bob writes, well now the SS e c is in a real pickle. The US Court of Appeals for the DC circuits sided with grayscale in a lawsuit against the s e c greatly improving the chances that a Bitcoin exchange traded fund will be approved.
The s e c had earlier denied gray scale’s application convert. Its grayscale Bitcoin trust to an E T F. Looks like, uh, we’re getting another, possibly another Bitcoin derived e T F on the market. I would be really
interested to see what the uptake is of that since the mania surrounding Bitcoin has kind of died down.
This is gonna be much ado about nothing. The s SEC’s like, yeah, go ahead and make a, make a, make a mutual fund or et t f. Let’s see how much money you raise. Oh, you didn’t raise enough money and you shut it down. Weird.
I just don’t understand. I mean, this is, so, this is a spot Bitcoin, e t f and a, a spot e t F means it works a lot like a futures contract.
So they look at bitcoin futures contracts, buying, buying those. And because of the fact that the ss e c in the past has approved a Bitcoin, uh, futures based product, the court said in essence, and now I’m quoting Bob Pisani, Hey, you approved a futures based Bitcoin product. The futures in the spot market are like products.
If you prove one, you have to approve the other. I’m in the market for that. Yeah. I, I don’t understand
why you would want to put that. It is, it’s not, it’s not any more liquid because you can trade Bitcoin instantaneously, right? Maybe. Maybe, maybe because there’s some lower carrying costs ’cause you’re buying it at scale or trading costs, I should say.
You know, when you trade your Bitcoin, you get some pretty awful prices if you’re not paying attention to. To where you’re buying it and selling it. Uh, a lot of, a lot of commissions baked into it. Um, but, but if you’re buying it from an investment standpoint and you’re saying, this is a, this is an investment I believe in, why wouldn’t you just go out and buy the thing?
Yeah, just get your Coinbase accountant
buy it. If you’re taking that much risk in your portfolio with that type of volatility and still no appreciable history that we can look back on, on these products to really talk about what stimuli changed the market. If you’re gonna take that type of risk, I’m with you.
It’s almost like you’re just dipping your toe in a, you know, they say dip your toe in the water. You’re dipping your toe in a, I’m trying to find the analogy in a, uh, a boiling pool of water. I dunno. Yes. Yeah. Something. And Doug’s on mute. Doug is trying hard to make a point. I was just,
yeah, I was. No, I was just trying to make a joke.
Oh, well then we could keep moving, but you didn’t miss anything.
Doug. I’m a little like a pony this morning. I’m a little horse. Oh God.
It’s like I’m in a time loop.
Oh gee, there are nine of these products. There must be a demand because there’s nine of these products for a spot. Bitcoin, e t F, that the s e c is, uh, is going to rule on.
The first one was the arc. Uh, 21 shares Bitcoin trust and there’s grayscale, which they just talked about. Uh, Bitwise Bitcoin, BlackRock, uh, VanEck, WisdomTree, Valkyrie, Invesco and Fidelity even has one that they’re trying to get approved. I just don’t understand if I’m buying, if I don’t get it, if I’m buying this type of product, I’m just buying it.
Buy yourself some crypto and, and go get diamond hands, as Doug likes to say. Doug’s a big fan of jazz hands. Jazz hands.
Is that a step? Yeah. Diamond Hands a step up from jazz hands. I’ll do it. It’s, it’s, I’ll do it. I’m not afraid if that’s, if it’s better.
That’s exactly where he goes like this. I think our takeaway there is, uh, just, just if you’re gonna buy it, buy it.
And by the way, og, just buy Bitcoin and, and what’s your cap in a portfolio of buying this type of thing? Like sandbox money. What, two three, roughly 0%
is that rounding? Are you rounding for that? Rounding up by as
close to zero as you feel comfortable with. I, I just hover around there. If you get nervous around zero, then I go even less.
my crypto account has
five grand in it. I think mine has, uh, 15. Uh, no, mine is 1800. You know why? No, it’s all, it had five grand
in it, didn’t it? It’s, no,
it’s, it’s all in Ethereum. It went down. I bought it. I bought it a year ago. I was actually in Colorado, and I get a notice on my phone that says that my, my account with my Ethereum has a notification.
I’m like, oh, man. What happened? Has, has the, has has, has it finally happened?
retire? I was actually thinking the other, I’m like, is it finally worthless? Is it, can I stop checking it? And I saw that it had gone up like 5.6% already that day. Wow. Back to about $80 below where I bought it. Yeah. Yeah. So
Which by the way, so just kind of an actionable thing here with your crypto right now, presently, there’s no wash sale requirements for cryptocurrency. So if you do have, uh, an investment of Bitcoin or Ethereum or whatever and it’s gone down, you can sell it, take the capital loss, turn around and rebuy it the next nanosecond and establish a new cost basis.
So if you’re looking for ways to save a few bucks on taxes, you can do that. Gotta be aware of there’s a commission, right? So there’s a trading cost to do that, so be cognizant of that, but you can wipe out that, uh, that loss and kind of start over new year, new.
Joe, what I’m still stuck on is you said you’re at about 5,000 in yours.
Does that show up on your pie chart as nearly 0%? Yes, because holy crap, that’s a hell of a portfolio. It’s
it rounds to 0%, I can’t do the math on how many zeros are on your total
portfolio for planning purposes, he calls it zero. Yeah, we’re gonna dive more into this. And by the way, part of the SEC’s, uh, ruling on this was that, uh, they feel like the futures market in crypto, believe it or not, OG could be manipulated.
I know you find that hard to believe what there might be forces manipulating these markets. I know. Ridiculous. It’s, it is weird. We will dive more into that in the 2 0 1 or newsletter that comes out on Tuesdays and Thursdays. We dive deeper into these areas with curated links to people who are really in the weeds on all of these topics.
Stacking Benjamins dot com slash 2 0 1 to get the 2 0 1 newsletter time for our TikTok minute. This is a part of the show where we dive into a TikTok creator either doing something brilliant or hashtag brilliant. We know which way OGs probably going. So Doug, we’ll go back to you here at the beginning of another eight weeks.
You think this is brilliant or hashtag brilliance?
Um, I’m skeptical today. And on this one, Joe, I know where I normally lean, but I’m not sure. So I’m gonna say it’s mostly brilliant. It has, I think it probably has some niche use and some part of all of our listeners’ lives, but I don’t know that it’s a blank.
I can go blanket statement
brilliantly. Oh God. Just pick one, please. God.
Can I qualify it a little bit more? Here’s
what I’m know. Here’s what I’m, it’s my bet. Uh, this is from TikTok, user Zi, who actually stole it directly from a, b, c News. And this is why OG when an influencer tells you that something is a great deal and is awesome.
You might still wanna think about it a little bit.
Plessi, we built a fake luxury store in Los Angeles and filled it with Payless shoes. The guests at our grand opening party had no idea. Guests invited to
check out what looked like a luxury shoe shop. They’re elegant,
sophisticated. I just think it’s so
classy and I could
tell it was made with high quality
shoe going for $645, an 1800% markup. Store owners sat on their heels as fashion influencers emptied their wallets. I would pay 400, 500. Yeah. People are gonna be like, where’d you get those? Those are amazing.
Then they’re let in on the prank. These are actually from Payless. What? You’ve got to be kidding me.
Shut up. The best,
the best marketing scheme. Uh, this is not a new thing. This is, this came out years ago and all I could think of is how did Payless convince a b, c news to be their outlet for this?
I had never seen that before. Oh, yeah. That
was, that. That’s years
old. I was gonna say, I saw it a while ago.
Um, on Brand
Plessi. I love that they, they put in Plessi Yes. Plessi for pay less. That’s right. So, so good. Be careful. We still see this today though. I mean, we see it all the time. These Instagram influencers. What was the first thing? What’s his brand of pants? These people need to be a sponsor because I keep talking Dior.
Dior’s or Lulu’s. Yes. Which is my, my
personal proclivities. Well, we, we actually, you and I at dinner with our spouses og we’re talking about this and why. Because I had seen all over my social, you might, some hot joggers I saw all over my social media. All I saw was this, uh, commercials for this product.
Just Instagram person. I mean, they’ve been around for several years, so I’d never heard about time You caught up. Good stuff. Thanks to stacker Jennifer for sending that to us. She got one. Sent it to me, Joe at stuckey Benjamins dot com. Coming up next, Erin Skye. Kelly is a woman who is in deep debt herself.
She teaches other people how to. To quote the title of her first book, get The Hell Outta Debt. And today she’s gonna be teaching us how to get naked with our money. Oh wow. Yes. It’s uh, a little last thing I need to see is I’m all in Dug naked with this money, all my
naked with all $11 and 20. It’s to lots of
naked and not a lot of dollar bills covering it.
we, I’ll let you figure out where the coins go.
If we could have Doug not get naked with the trivia, that would be great. While Aaron comes down to the basement.
Hey there Stackers. I’m Joe’s Mob’s neighbor Dug. And on this day in 1977, the legendary Atari released their first game console. Five years earlier, the company’s founders gave new hire Alan Alcorn, an assignment to create a test project, but that, that’s Alan Alcorn. Not to be confused with my pet squirrel that I’ve named Alan Acorn.
Anyway, with no prior video game making knowledge, Alcorn built the now legendary pong. Although Pong was never intended for commercial release, Atari’s founders knew they had a great product and soon put it on the market later. As Atari grew, the company hired two young developers. I mean, I don’t know.
You’ve never heard of these guys, Steve Jobs and Steve Woes, nichi, whoever they are to help create new games. Today’s trivia question is how many units of Atari were sold between its launch in 1977 and its final day of production in 1992? Is it 3 million, 30 million or 300 million? I’ll be right back with the answer after I give Alan Acorn
Hey there, stackers. I’m video game lover and retired squirrel groomer chose mom’s neighbor Doug. On this day in 1977, gaming company, Atari released their namesake consult Atari. By the end of that year, the company had already sold nearly 400,000 units at 200 bucks a pop, or about a thousand bucks in today’s dollars.
All in that’s $80 million worth of joystick. My risk getting tired. Just thinking of that. Today’s trivia question was how many units of the Atari 2,600 were sold between its launch in 1977 and its final day of production in 1992? Was it 3 million, 30 million or 300 million? The answer, 30 million do the math and even at the original price, that’s enough income to buy an entire country time for me to learn how to build ataris.
So how does 30 million stand up to today’s consoles? Sony so far has sold over 560 million PlayStations. Apparently we’re even more addicted to video games and now here to help prevent you from having finance related arguments with your partner, it’s Errand Sky
Kelly. I’m super happy she’s sitting down with us at the card table in the basement again.
Erin Sky. Kelly’s back.
My cheek’s already hurt from laughing and we haven’t even started.
Well, I’m excited. You know, everybody’s excited. Except mom. ’cause I heard you’re here to get naked. Are you here to get naked? Listen,
mom, clothing is optional. Okay? I promise you. We’re gonna get naked. Emotionally.
We’re gonna get real and raw and naked when it comes to our money. Ambiguity, ambigu. Well, because as you know, a lot of people when they are talking about their money, are thinking about their money. They are. Trying to imagine in their mind that things are better than they actually are. Yes. And that inhibits their wealth
Right. Or if I just don’t look at it. Yeah. If I put lots of clothes on it, to use your analogy, if I stuff it full of clothes and I wear the right color, I’ll look great. Yeah. Even though it’s a mess.
Yeah. And so now when we see that somebody’s got their head in the sand, financially speaking, we’re gonna be like, you’ve got a financial muo on right now.
That’s what you, and I’ll call
you, you in fact say you begin this project by saying that, uh, a lot of the concepts you use in this book will make grandma blush.
Yeah. I mean, I have the same sense of humor as you, I think. So it’s like I will walk that line a little bit. So if somebody’s really sensitive with, you know, euphemisms or that kind of a thing, it’s probably not gonna be the book for you.
Well, let’s actually talk about what this is all about. ’cause I think we actually get to it right in the dedication. Like the dedication sets the stage, which I don’t think I’ve ever, you know, what, 12 years of doing this, Aaron. And I don’t think I’m ever, like, let’s talk about the dedication, but I just wanna read your words to everybody.
Sure. Because this is, this is good. So a reading, a dramatic reading by Joe Sulci High of Aaron Scott Kelly. Before we said goodbye, we plopped down on the return couch in the as is section. Like what a great opening line. He’d met me there because it was a two birds of one stone scenario. The birds were that I need to pick up furniture for a rental and that we hadn’t had a visit in a long time.
The stone was. Ikea, I think, I think we saw at least a half dozen romantic relationships die in the warehouse that day. I’ve seen the same, uh, people arguing over that all while we were unknowingly building ours up from friendship to love. Our conversation flowed freely. Why interrupted with measurements or photographs of things named null roofs or ladder lap or maybe my favorite Spence cock, which I’m gonna say that very quickly either.
I, there’s, there’s air tub
right there. Either I had to be somewhere I pre relied and said I had to be somewhere in case he wanted to visit longer, because time wasn’t a luxury for me then. But when we completed the maze, we sat down briefly to wrap up whatever story one of us was in the middle of telling.
Somehow on that clip and sofa, everything shifted. In the years that have followed, we built more than just furniture. But there have been times when I wanted to take advantage of ikea’s very generous return policy and drop him off with the receipts. I felt that way about, so Cheryl’s felt that way about me.
But to put it more bluntly, certainly he would’ve exchanged me for something that came with clear instructions and wasn’t missing parts. I don’t know exactly how we got from here to there, but it involved a lot of taking apart and putting back together. But we reminded ourselves that we are called to love as is, and that has been our commitment ever since.
That’s what a great dedication.
Aw, thank you. You just made me, when I hear you say it, I’m like, oh, that is kind of romantic. That whole,
it was romantic, but it is true, right? I mean, we are as is and I think you spend a lot of time in this project talking about how we’re as is. Yeah,
and I think the thing that’s most important for me is that I’ve seen so many couples, ’cause of course I’ve done a lot of work with people helping them get out of debt.
The first book was called Get the Hell Out of Debt. So I’ve seen a lot of couples come at relationship problems with a financial lens instead of coming at finances with a relational lens. Oh, and so what I see happen, and I know you see it too over and over again, is people are fighting about money, but it’s not about the money.
And so it’s really important to me that we understand that our partners. Are not ever gonna be right. And we’re not ever gonna be right. We’re only ever seeing things through our own lenses. And it’s important to try not to change our partner’s financial behaviors. Not to try and fix them, but to love unconditionally from a place of understanding that those financial patterns are there because of something that happened to them in childhood or something that happened to them in early adulthood.
And they keep living it out over and over, even though they might not be seeing the results they wanna see from it. So we have to look past those incidents and see that the child or the, or the wound that that person’s operating their finances from and love them from that place, if we wanna heal what’s going on in our wallets.
It’s so hard though. It is so hard. I, I’ve, this will be 30 years. Yeah. That Cheryl and I have been married this year. Aaron. And literally, so yesterday we were flying somewhere together. Yeah. And, uh, we were actually flying somewhere. We’re flying back home from somewhere. But I remember she said something, I’m like, she just wouldn’t do that anymore.
Right. If she would, if she would not do that thing. I’m like, it’s been 30 years. Yeah.
And we still do it. We still
get, I still get judgy after 30 years.
Yeah. Well, because the other thing is you are a financial expert. So it’s really hard, I think, for you to take off that expert lens and see your wife as a, like, soul to soul, human to human.
When you know that, you know, behaviors lead people to a certain place or you know, things that people do, patterns that they have lead to a certain outcome that they don’t want. But we keep self-sabotaging anyway. It’s the most bizarre thing that we do. And it, we’re not doing it because we’re trying to screw up or we’re, you know, we’re.
Most of the time we don’t even recognize we’re doing it. Like the amount of people I see, and I know it’s the same for you, you, you run into people who have a financial challenge and they’re like, I don’t understand why I keep making the same mistake. And it’s because of these money patterns or these money blocks that we have unconsciously that are running the show.
So Cheryl’s got a money block that’s driving you crazy, right? It’s driving you nuts, but you can’t fix it for her. And she can’t change the block unless she deals with what’s going on underneath that’s causing that block to happen. And she can consciously recondition a new pattern. That’s what’s gonna change for her.
And it may never. So you gotta be okay with the fact that like if I said to you, Joe, listen, 30 years from now when Cheryl’s old and wrinkly like a raisin and you know you have to rub her benay on her gnarled little fingers, she’s still gonna be doing this thing. Can you love her Anyway? And the answer for you is gonna be yes, of course.
But for some people the answer is gonna be no. That’s where we run into problems because we have to make some swift changes right away. If the answer is no.
Well, and I thought about that reading your words, because you know, there’s this one thing that bothers me about her. I’m sure reading through your money blocks, there’s like five that I have that, that I’m sure drive her crazy and somehow we made it What, what, what is a naked money meeting?
So a naked money meeting is really about you being completely vulnerable and like raw and honest with where you are so that when you’re having conversations with your partner, it’s not about like you are spending too much on Dunking Donuts. You need to change that. It’s about understanding. Listen, when you’re spending that much money on Dunking Donuts, I feel like our retirement is going to a donut shop, and I’m getting very scared and fearful that we’re not gonna have enough.
Can we talk about that instead of putting the blame on someone else, it’s taking full and real responsibility. Like, I don’t know if you’ve ever been naked in front of a mirror before, do you do that or is that just a woman thing? I,
I do. I do. I do. Like I’m naked right now.
Sometimes I just open my pants and just look down.
So, so when you’re naked in front of the mirror, like you cannot hide, right? You can wear a pushup bra. I mean, you can too. You can wear a pushup bra, you can do all the things, but the minute you’re naked that you step outta the shower, it’s like everything is real and raw. And so that is what the truth is.
And so a naked money meeting is really getting to the truth behind the numbers. And what’s interesting is that we all have basically a money block. You’ve alluded to this. I’ll explain what this is and then that, that may help explain a, a naked money meeting. So we all have certain money blocks, things that prevent us from really reaching our full financial potential.
For some people, that means financial freedom. For some people that means getting out of debt. For some people, that means having enough in their savings account to feel comfortable. But there’s always something that’s kind of preventing us. Very few people have zero money blocks. And basically that block is there because of a series of things that have happened as we talked about that formed a pattern or a behavior that we live out, even if we don’t like the result of it.
But it’s because it’s what we know and humans are, we’re horrible for that. We do the same thing over and over and over again. The amount of times I’ve eaten Cheetos and been like, I gotta stop doing this, but I eat them anyway. Right? I’ll have orange fingers and I’ll be like, this has gotta change and it doesn’t change, right?
I remember as a kid being rewarded with Cheetos when I would get to hang out with my brothers and I felt cool and I felt like included. And so Cheetos for me means something completely different than Cheetos mean for my friend who does yoga. Very, very different interpretation. Yeah. Cheetos. Yeah. Same thing with money.
So what we’ve discovered, or I’ve discovered essentially through doing this work through. Years and years and years is that there are eight major money blocks. And so we all have what’s called a primary block, right? So for some people that it’s called a spend block, but there’s 20 different ways it’ll show up, right?
It’s so, it might mean a spend block might mean that every time money hits your bank account, you just feel compelled to get rid of it. So you’re either buying stuff or you’re just immediately paying bills, but you’re not building your own wealth first. Other people, They might have $60,000 in credit card debt and $80,000 in savings, but they just can’t pay off that credit card debt.
And so the spend block is there stopping them because they don’t wanna let go of that money. Right. So basically anything that blocks the flow of wealth is what we would
call a money block. I can’t tell you how often, Erin, I saw that when I, but I haven’t been a financial planner in a long time. Yeah. But back when I was, I would see that all the time.
Yes. And I’m like, Hey, I know you’re paying me a lot of money. Take that money and pay off that debt. Yeah, you’re welcome. You’re welcome. Yeah. Sitting and they’re like, I can’t do it. I know I can’t. I can’t do it.
a block. It’s a major block. And when they understand why and it gets easier, right. But we have to condition that new pattern so that they get used to sort of more of an expansion than a contraction.
The expansion being, growing into building more wealth versus like restricting and feeling like that, that sense of I can’t, is basically fear is what that is. So when they, when we can kind of understand what our primary block is. We really can clearly then see how it’s stopping us from building wealth.
And so then we, as we slowly undo that block, what we’ll notice is even without a whole lot of trying, like it doesn’t have to be a grind, it doesn’t have to be that sort of hustle mentality. It doesn’t have to be that way. The flow of money into our lives will be easier because we’re not getting in our own way.
So what happens is you have a primary money block and Cheryl has a primary money block, and where those two blocks intersect, I can tell you what’s going on in your relationship and what you’re fighting about. And that’s where the fascinating work happens at this money
meeting you point out can happen alone.
It can happen like even if you’re solo it, it can be really interesting having the way you say that.
What’s that? The way you
say that is you can be, you can turn the lights off and light a candle and be by
Just sit, sit in the tub and just, just think about, no, but seriously, I mean, you know, you say that you can’t solve other people’s issues.
You can just know what you’ve got inside. And I think for many of us, It, it was funny because when I read this work, I thought this was all gonna be about like the tactics around having the meeting and it’s not at all. No, and it’s also not as much about the other person like this. This whole work is about what’s inside of you, not the other person.
I know, and I joke in the book like, I’m sure you’re here because you want me to tell me that your partner’s, you want me to tell your partner that they’re wrong And so, you know, I’m I’m not gonna do that. That’s, it’s when we go to couples counseling, like the amount of people, you know, women are like, oh, I think we should go to couples counseling.
What they’re secretly hoping for is the counselor’s gonna be like, you’re an idiot. You are right. And he’s
wrong. Yeah. Right, right. Your husband is a moron. Thank you. That’s both of
us. Right. So
what’s interesting about any sort of work in relationship is when there’s a pattern in the relationship, like where your money block and Cheryl’s money block, for instance, where those intersect and it’s causing maybe a bit of financial friction or financial resentment or whatever’s happening.
I. All you need to do is change you for that pattern to change. So we don’t even need to worry about our partners changing. We have to love them wholly and completely for who they are, as we’ve mentioned, and we can do our own work on ourselves, and that will inevitably change the pattern anyway. Now, usually what happens is when that pattern shifts, a partner usually comes on board, especially if they love you, they will usually get on board.
But when you try and drag your partner or like. Convince them they need to do something or you nag them to change it, it doesn’t work. So the only person who really ultimately can do this work is you. It
makes a bigger block for me. Yeah, it does. Like if Cheryl tells me, you stop doing something, that means I found the button.
oh, I’m sorry you wanted that garbage taken out this week. Oh, I’m sorry, I’m in the
something. Yeah, why do we do that? I don’t know why we do that. They talk about sabotage. That’s a whole different thing. So where does budgeting fit in here then?
Oh, well, there’s definitely some like tactical, practical information, you know, involved in all of this.
And obviously you have to manage the cash flow and you have to manage your net worth. And the budget’s job is to increase the net worth. But if you’ve got a money block, you might find that budgeting just isn’t working the way it ought to be. Like you just keep. Sabotaging, right. Or, or for some people like, who have what’s called a hard work block, their primary belief underneath everything is that in order to have more money, I have to work more, more hours, or I have to work harder.
And we see this sometimes even in a generational thing, and it bleeds out into other people because we often put upon other people the idea that, oh, that person’s so great. They’re such a hard worker. And so we honor that, which reinforces that that’s how they need to get outta debt. But they’re running outta time.
They’re exhausted. They’re, you know, doing so much. It’s the relationship between that and budgeting is that, If you’re working three jobs and you’re running ragged, sometimes if we’re not paying attention to those dollars, the results of what we’re doing aren’t showing up in that net worth or in that budget.
And so we have to do, we absolutely have to keep control of the cash flow is coming in so that we can see that the work we’re doing matters. And what’s cool about this is when you master, you know, all this, I’m, I feel it’s so funny talking to you about this ’cause I’m like, oh, I’m gonna explain budgeting to
Great. Here we go. I, this is, this is super,
no, because, well this is way more psychological, I think, than most people get into budgeting. Me included. Yeah. Like, you’re going way deeper here, sister.
And I don’t think I even understood this. Like when I was, I, you know, for, if you’re brand new to Aaron Ska Kelly, at one point in my life I was $2.1 million in debt and I.
Really thought it was a math problem. And then when I uncovered a lot of things, I was like, wait a second, wait a second. I was behaving this way or doing this. ’cause I was trying to out earn my spending and I was trying to do all these other things that didn’t work. So I had to get to the root of all that.
Then when I got outta debt and started to build wealth and other people would ask me how and I would help them, I saw these patterns and other people and I just started to document everything. ’cause I was fascinated by what was going on. And the other interesting piece is that if you just try and do this work, like this sort of psychological money mindset stuff, but you’re not tracking your money, it’s useless because you don’t know, you won’t have.
The proof, the numbers don’t lie as you know. Right. We can convince ourselves of anything. Right. I can con all through Covid, I convinced myself my weight gain wasn’t as bad as I thought it was gonna be, and then, you know, I had a naked moment in front of the mirror.
I’m like, okay, we gotta deal with this.
it’s time. Right. But it’s funny because it’s, it’s, it’s tracking combined with emotion. Like it’s not either or if it’s all emotion. You’re right. Big deal. Yeah. But if I see that my emotions go this way and my spending pattern follows it, then it’s gonna be easier to follow the, the river toward where the blocks
You got it. Absolutely. The interesting thing is most people will know, I mean, I have a quiz in the book. It’s like this chapter four is like this comprehensive, you know, and, and lot of women Very comprehensive. Yeah. And, and so there’s a shortened abridged version on the email@example.com.
But a lot of women love the book ’cause it reminds ’em of doing the Cosmo quizzes that we all did 20 years ago. You know, you’d sit down with a magazine and then you know, you, you figure out if you’re hot girl, you’re a good girl. Hot or bad girl, hot. Who’s, those
titles always crack me up, you
know. Eight ways to please your man.
Yes. Like you’re like,
what? Yeah. What the hell? Stupid.
All stupid. It’s got a big comprehensive quiz in it, so it’ll tell you what your primary block is. And, and for a lot of people, they’re like, oh my gosh, I have all the blocks. Right? Oh my gosh. This is all of it. Right? And, and there are eight, but you will have a pri Most people have a primary and a secondary, but what’s interesting is that if you just read the headings for the blocks, like, you know, the lack block, the spend block, the worthiness block.
I, once you read those, most people are like, oh,
I’m that one. That
one, that one, yes. Yeah. Without even doing the quiz.
So you nailed it. Let’s go
through ’em. Let’s go through ’em and let’s just do a few sentences on each Sure. Just so people know these different blocks. Uh, the lack block.
Yeah. Well, the lack block is really all about.
Your focus being on all the things you don’t have versus all of the things that you do. And this is really important because this is sometimes a learned behavior. People think, oh, I’m just a pessimist, and this other person’s an optimist. It’s not true. It’s where your focus is. And so when you’ve been conditioned to focus on what’s missing for long enough, what happens is you end up in a lack mindset.
And so you’ll sabotage yourself because even when something good comes your way, it’s almost like you can’t believe it. So you look for what’s wrong and you miss out on financial opportunities. So that’s a
lack block. I think Instagram and TikTok make this worse. They do. They do. Joe, because seriously, you see what all the riches everybody else has, right?
That I don’t have. Yeah.
Yes. And it’s all imaginary. So the other thing you need to know is it’s all a lie. Sure. All that TikTok stuff is, is false, but um, yeah, focusing on the lack block or focusing on lack will bring a block to of abundance to you because you just, you’re, you’re gonna miss it every time.
Yeah, my, I actually have a family member who does that, spends every time that I’ve talked to her, which frankly I try not to do. She says, oh, I wish we had, oh, I wish we had, oh, I wish we had. And I’m like, you could go get it. Yes,
you could go. You could have it. Yes. Yes, exactly. Yes.
Yeah. Uh, the spend block, this
one’s really fun.
So this one I see a lot of in my work with people who are in debt. And it’s so closely related to another block called Worthiness. But this one is really about feeling like, You can’t control your spending. You’ll either try and get control, which is what we see in people that have a lot of savings and a lot of debt, but they don’t understand, you know, when you understand net worth, you’ll be like, oh, I actually don’t have this savings.
The savings is imaginary ’cause it’s canceled out by the debt I have. Right? But the difference is you either hoard ’cause you’re trying to control, or you feel a loss of control. But at the same time, interestingly, the loss of control is trying to get control. So the way you start to feel in control of your money is you’ll spend, so sometimes, usually something’s happened, like as a kid, your parents said no to you a lot, or you miss out on a lot of opportunities.
So now that you’re an adult and you have a credit card, you feel like you can’t say no to yourself. That’s one way it’ll manifest. Like there’s lots of different ways, but basically how it shows up is it prevents you from building wealth because you’re spending on liabilities or consumer goods or other things and not spending on assets, which creates more abundance.
So the block is that you’re spending is preventing you from building wealth.
It’s funny, there’s a friend of mine you’d love this woman, Buffy Purcell. She is a big, uh, I love
her already by her name. Buffy
Purcell. Oh yeah, Buffy’s amazing. Buffy, I wanna meet you. Oh. Oh, she’s a Bravo star. And, and just, she’s got like half a million people follow her on TikTok.
But she’s got this great phrase, Erin, that you’d love where she says, uh, the three worst words a broke person can say is, I deserve it. Mm-hmm. Because I think it’s this block. Right? It’s this block. Yeah. I just deserve, I don’t have the money, but I deserve it. Yeah. And so, yeah. And then we, and then we get into trouble.
By the way, this, I think you point out, is kind of where the budget comes in. You said that this is because a budget will stop you from some of these dumb purchases you talked about during Covid. You had to have. You had to have like a paint by numbers kit. I don’t know
what was wrong. I had a momentary lapse of iios.
Like, I do really well with managing my money. Like I am so good at it now. Right? Overall to the point where I don’t even really think about it. It’s just like it’s become part of my identity, right? Like I’m just, I know I trust myself, I’m good with money, whatever. And I covid, I was in this fear, like I, I locked in my house and I was like, what am I gonna do?
How am I gonna pass the time? And I had that moment where I was like, oh, I, I need something. Like, I just need something to entertain me. And I bought a Paint by Numbers kit, I think it was $50. And it arrived on my doorstep. And I was like, this is it. This is my new thing. I’m gonna, I’m gonna be a painter.
I’m gonna learn how to paint. And so I started making this gorilla painting and it’s still
only, I heard, this is how I heard this is how Rembrandt started, by the way. Oh yeah. Just got a couple paint by numbers kits. Well, I was all of a sudden doing these phenomenal things that are
in the Louvre. I was on my way, you know what I mean?
I was like, I’m
only about 45 more hours away from being in an art gallery. So I bought this thing and then I had this moment where I was like, Aaron, this is an old behavior. This is not who you are now. Right? I halfway through the painting, I was like, making a mess. The colors didn’t work, it’s nowhere.
It’s still not finished. If you wanna buy it, I’ll sell it to you for $70. Um, but, but it was this thing of like, oh, so you could catch yourself, right? When you ha once you know this about yourself, you know your money psychology, you can’t unknow it. That’s the beautiful part about it. So when you have the awareness, you can catch yourself and you can shift your decisions.
the way, you know, for people that love paint by numbers kit, your point isn’t that paint by numbers, kits are dumb. No,
they’re dumb for somebody. For you, for me, for me, it was not
the right choice. That’s
right. The uh, next block is the worthiness block. We just talked about this a little bit. I don’t, I don’t deserve it.
Yeah, it is. I don’t deserve it. Worthiness is such a huge one. And what’s interesting about the worthiness block is we all have it to some degree because the core human fear is that I won’t be loved and I’m not enough. Like we all have that to some degree. It’s just whether or not that’s the driving force in your life and if it’s the driving force in your life, what ends up happening is anything good that comes to you, you believe is not meant for you.
So you’ll sabotage every time. So even things like, I’ve seen people ha women in relationships, like they meet a great guy and he’s too good to be true. So they’re like, no, I’m gonna choose this guy over here who ghosts me every third date and Right. You know, like, and so that, that worthiness block shows up in a way financially where we don’t deserve wealth.
Wealth is meant for them. It’s meant for other, it’s meant for someone else. And so we never fully embrace what we’re capable
of. This next block I saw, you know, different types of people will seek out financial advice, but the intelligence and skill block, yeah. I think it’s kind of dangerous around a financial planner because, especially an unscrupulous one, because these people think they’re not intelligent or don’t have the right skills.
Yes. And the this block blocks are full of wealth because you always think somebody else. Should be giving you advice. Like you just don’t trust yourself. You don’t have enough self-trust built. And so we’ll even see, like in the personal development world, I see these personal development junkies where they take course after course, after course, but they never implement anything or take action.
they’re just like the people who just keep taking college courses.
Yes. Yeah. Oh my gosh, yes, absolutely. And so at some point you have to understand that your relationship to learning comes also from doing not just from textbooks or classes or courses. And so that block prevents us because the thing that you have to take action on, it’s not just knowing.
You know, the first time you go to buy an exchange traded fund, it’s totally foreign. You’re like, I don’t know how to do this. What do I do? So a lot of people won’t bother because they think I gotta take a course on how to buy an exchange traded fund. So then they go spend money on the course. They would’ve been better off to lose 50 bucks in their first exchange traded fund to learn the things they need to learn, right.
And get going on the learning in the, in the wealth building versus like learning from someone else. So it’s a huge one. And people who don’t feel smart enough, The other thing that might happen is they might also avoid asking the right questions of their financial planner. ’cause they don’t wanna feel stupid.
So then the financial planner who’s good and kind doesn’t have all the information they need to properly advise because you, you have felt uncomfortable looking foolish. So that’s a major block to
wealth. Yeah, it is. It’s a fine line in a lot of these because I felt like, A lot of my clients were super smart people.
They could have easily done the stuff themselves, but smart people surround themselves with smart people. Yeah. But, but it was funny. They would, the really smart people, I didn’t feel this from, and don’t get me wrong, people that have this block are also intel. More, much more intelligent than they think they are.
They always are. Yeah. So much more intelligent. But people that trusted themself would just ask me all kind of probing questions to get even smarter. Yeah. Like they were on this whole different, different wavelength. You
actually are really good at this because you will have people on your podcast who have different opinions than you have, but you’re always asking questions and staying in a posture of curiosity.
And that is critical. A lot of people feel from a place of ego that I need to know the right answer. And so they won’t even listen or have conversations with people who differ from them, which blocks them from learning, which potentially blocks them from opportunities for wealth building. See,
that’s not what’s going on with me at all.
I’m open to being wrong. Yeah. I,
I, I have on these people to prove to everybody. It’s almost like the psychologist thing. I, I bring ’em on the show, prove they’re an idiot and I’m not. And that’s, that’s, I feel like I’m getting, I’m apparently getting nothing outta your work here.
Oh my gosh, my
cheeks. It’s so much easier to add. I don’t know. It is so much easier though, to ask how am I wrong? It’s than just continue to think, how am I wrong? All right. Now, next up, uh, the hard work block, man. This is me. That’s you.
Yeah. Long hours just feel like you’re never given enough. You just keep, you know, kind of grinding it out.
Yeah. If, if I just work harder. If I just work harder, harder. Yeah.
And for a lot of people, overcoming this block really does involve investing so that you can really understand compounding money because you’re running out of time, right? When you put in 50 hours a day. You don’t have that much time.
There’s just an impossibility, right? And so a lot of people are trying to squeeze so much in and working harder, and they’re missing out on the juice of life. And so I know that you, I know you call yourself, you know you’ve got this block, but it’s minor in you compared to most people because you also understand how wealth works.
So you’re doing a lot of the things that are compounding on the side, but a lot of people aren’t. And so they get trapped right in this. Totally do. Yeah. It’s really, really tough. It makes me so frustrated under any time leverage and financial leverage change that changes that block completely.
It’s like we we’re gonna talk to a gentleman about this on Wednesday about how money’s not the only currency.
So I think you and Chad together is just a great week for us.
Yes. Yeah. Drop this line to Chad. Say privacy is one of the most important currencies. And see what he has to say. Oh
I th I think you’d like that. Yeah. Anyway, uh, the stress block,
this one, I tell you, lots of people think finances are stressful.
This is a block that’s learned also. And one of the most interesting things about the stress block is you really believe that the stress is outside yourself. So money is the cause of your stress. But what we know to be true, and this is really ugly, so brace yourself. ’cause nobody likes hearing this, is that money isn’t stressful.
You are stressed. All of the emotions we have already live inside us. So happiness is inside you. Joy is inside you, frustrations inside you, anger’s inside you. They all live inside you all the time. And when something happens, you almost unconsciously choose what to call forth. And we know this is true because if external circumstances were entirely responsible for how we feel, no kids would ever cry at Disneyland.
Right, right. You’re in the heaviest place on earth. I’m sorry. You’re not allowed to cry here. Right. That’s so we know that it’s not about anything external. There’s something going on inside. And so when we blame money, we decide that money is stressful. It blocks the flow of wealth to our lives because what we’re doing is we’re trying to avoid that stress.
So we avoid money, which means we’re avoiding wealth. It’s a very dangerous cycle to be in. So we have to, to heal that block, we have to obviously shift how we’re handling money and how we view money. ’cause it’s just as easy to think money, as stressful as it is to think money is fun and money is a game, and money can be enjoyable.
The, uh, procrastination block. I’m gonna, I’m gonna move over ’cause I think by the name we kind of get where that one’s going. But the money guilt block I wanna focus on as the last one here because so many of us, you know, we talked about judging each other. We have so much guilt around money and like, past things, past places we messed up.
Yes. Like buying your paint by numbers kit, you could keep that guilt forever. Yes.
And the interesting thing about guilt is guilt is such a selfish emotion, which again, is something nobody likes to hear, but guilt makes somebody else’s problem about me. Even if I come at everything from the posture of I don’t wanna have money ’cause I feel like it’s unfair ’cause there’s so many people hurting in the world.
I’m taking their pain and I’m making it about me. And instead, if I’m truly wanting to help them, I have to be in a place of abundance so that I can provide meaningful help for people and not just make it about me, not, you know, reaching my full potential because somebody else can’t reach theirs.
Like, put on your own mask first.
Yes, exactly. I have to ask you the big question now. Yes. I usually say the big question for the end. Yes. What is a twat waffle?
I am amazed that the publisher let me get twat waffle past the three editors. I do have that word in there. It’s just a name.
We gave somebody who was
really difficult at one point in time. It’s a story in the book. And so we’ve just forever referred to her as the twat waffle and she’s quite legendary.
And you know, if you, she’s even in the Get the Hell Outta Debt book. So she, she lives on forever. But we all have a twat waffle in our lives and we can’t let the twat waffles among us, uh, impede our ability to get where we wanna go financially.
Just a fabulous name for somebody. Isn’t it great? Yeah.
I am stealing that from you, Eric.
I’m so stealing that. ’cause I know a few tot waffles, but I do like this idea about the ability to change. The energy is inside of you. I mean, and you point this out at the beginning of this project that yeah, you’re not a, a licensed therapist and some people have some really bad issues where they need a therapist.
But for the rest of us, You can change your state, you can change your, your energy. Yeah.
And I think we often think that we’re, uh, we don’t realize we’re thermostats. So one of your great gifts is when you walk in a room, you bring just so much vivaciousness and fun and humor and brilliance. And this sounds like I’m constantly giving you compliments.
And I don’t want people to think I like you. That’s weird.
We’re just BFFs here, you know? But it’s like, I feel like I owe you 20 bucks.
But it’s, it’s
true. Like Carrie and I carrie’s, Carrie and I work together, and whenever Carrie has to deal with Joe, she’s like, we’re gonna have Joe on our podcast, or you’re gonna go on Joe’s podcast that everybody’s happy because we know that you are a predictably positive person who has their.
Poop in a group. Even though you are hard on yourself and you have high expectations of yourself, you are just, that’s just who you are. That’s the energy. You’re like, that’s the thermostat setting that you live life at, and you don’t take anything too seriously, which is a really beautiful posture to live in, and you stay curious and you love your partner and you do the best you can every day and all of that.
There are other people who suck the energy out of the room every time you’re around them, and that’s the thermostat setting they live their life at. And oftentimes people are unconscious. I think you are very conscious about how you show up because you notice you’re very good at being aware of other humans.
So you notice in other people when their energy is off, you’re very good at reading people emotionally. Some people aren’t, and they’ll walk around almost like an energy vampire. They suck the life out of the room or they, they’re just like a black hole. They maybe complain or maybe they’re just that type of person who just being around them, you just don’t feel good.
And that’s a thermostat setting that they have that they forget that they’ve got control over. And so when we condition ourselves and we live away a certain way for long enough, it does become part of our identity. It becomes part of who we are. So now when people talk about Joe, they’re like, I love this guy.
You have raving fans because of who you are. There’s other people who are. Raving twat waffles because of how they show up. And all twat waffle needs to do is really take a personal inventory of the results in her life and the people she’s surrounded with to kind of go, oh, I don’t think this is working, but it’s not everybody else’s fault.
It’s twat waffles fault.
My coach calls them clusters of misery. Oh, I like that. And she said, beware these clusters of misery. Like you can feel like misery altogether. Like they’re, when I was a financial planner, we had this group of people that would go, they were all smokers and they would all go on smoke break together.
But there were two of them that were total twat waffles that were the leaders. And I told my, I, I had an employee who smoked and I said, you just wanna avoid that cluster of misery. If you go down and you smoke with them, yeah. You’re gonna come back here. Just so bitter. Yeah. Just so, ’cause it’s impossible not to be.
Yeah. Like it’s so, so bad. But I love what your friend said about this T waffle. Like what do you learn from this? Like just thinking, what do I learn from this person?
So this happened, we were backstage in an event, um, with a major number one success strategist in the world, and we’re trying to like, get this event together.
And she was walking around backstage. It was really weird. I, what I know of her to be true is that she just had a very wounded ego. Like she’d been hurt before, obviously, and she had a really high need for significance, which means she was operating from a place of needing to feel important or needing to feel whatever.
But she wasn’t, she didn’t actually feel that way. She was sort of trying to demand it from other people. This was a generational thing. But years ago I would hear people say like, oh, you know, to their children, you have to respect me. I’m your father. Well, you can’t demand respect from somebody. You can’t like force ’em to respect you.
But that was kinda the attitude she walked around with. And she would light these little fires everywhere she went and we’d all have to put them out. She would create so much drama, like the police would get called, like it was just everywhere she went, there was like this constant chaos in her life. And she kept saying, I don’t know why everything’s so dramatic.
And we were all like, we know why this is so dramatic, right? Like we all know why. If
you think things in your life are dramatic,
it’s ’cause you’re causing it. But anyway, and so my friend Jenny just turned to me and she was like, uh, hey. ’cause she could see, I was just like, I was welling up. I was like, these volunteers were leaving.
Like the whole day was kind of falling apart. And I was just a volunteer too. But it was like just everything was just chaos. And she just said, Erin, what is the lesson here? And I was like, you ask. I don’t wanna think about, you know what I mean? I don’t want this to be a lesson right now. I want her to fix her waist, right?
She’s gotta the tr she’s gotta stop twat, waffling around. But what it did for me is it first made me think, okay, I never wanna be like this. So how do I show up? Like e I can’t let her affect me. And then also like the other pieces were later on, how can I use this for my own growth? And it was just such a powerful transformation that I had to go through, which ended up being one twat waffle was one of the greatest gifts of my life.
But only because I was able to see her as a mirror for what was going on for me.
We should just call this episode Twat Waffle. I don’t, you know, and it’s funny ’cause people are like, I thought this was gonna be about budgets and I thought this was going to be about meetings and it totally is. All of this all, without going through these blocks and understanding yourself, you can’t understand the people around you and you can’t help each other.
Yeah. I thought it was gonna be a powerful idea because I know you. But when I read it and then I realized that it was all about me on the inside. Mm-hmm. 90% of this is about me on the inside to show up at that naked meeting. To be able to be naked, you know? Yeah. To, to be able to get there. I wanna talk about one more thing, because for some people this is kind of woowoo stuff, right?
Yes. It’s kind of like woo. Yeah, yeah, yeah. Like, it’s, it’s not okay. You know, like when people come to my office when I was a planner and I’d say, Hey, tell me what your goals. Like, I don’t care about that. Let’s not do the whole goal setting thing. Why don’t we just invest the money and do tax strategies?
’cause that’s, you know, that’s, that’s where the bread’s butter. But for you, you talk about having somebody that you worked with that did this tapping thing. Mm-hmm. Talk about woo woo. My coach has been talking to me about tapping forever, and I’m like, yeah, no
thanks. Jenny McKinney. Yeah. So this was the girl who was with me backstage when this twat waffle incident happened.
And Jenny is very, she’s my friend. That’s like a. A little wild, you know what I mean? She’s like the fun one. She’s like the one who like, I think she can hear the wind. Like she’s just one of those people who, she’s not into like astrology or anything like that, but she’s just,
oh yeah, I was gonna say she’s at home recharging her crystals as we’re recording this.
Not quite like that, but, but she, oh, I don’t think I have any of those friends. I don’t know. I don’t, I don’t know. I’m not knocking anybody who has crystals. I think they’re
really beautiful. But I try and really live my life by what I’m in control of. I don’t make the crystals in charge of my finances. So I, it, it’s a little bit far for me.
But even with Jenny, like she herself gone through something really traumatic and her therapist said to her, you need to try tapping the level of trauma you’ve been through is insane, and I would like you to try this technique. And so she looked into it and it turns out that this technique is what they use to help soldiers or people who’ve been over to war.
And it has cured P T S D in a lot of them. Like it’s such a great technique for, and I was like, come on. Cured P T S D, like, we need drugs for that. Right? Like there’s, I was like, I don’t believe it. Yeah. Yeah. And so she, she tried it and she said that this childhood trauma that she’d been through, which was horrific, has it’s been for the most part, healed.
So she became a certified E F T practitioner, and then she comes to me and says, you know what we should do? We should do a session with people in the, get the hell out of debt program where we tap on these money blocks, these eight money blocks, and we see what the results are, see if it increases their, you know, net worth.
And I was like, I’m not doing that. Like, it’s
like, that’s totally me. That’s, I’m like, and cut.
I’m not doing that. Yeah. I’m like, they need to take their budget and it needs
to increase their net worth and that’s how we do it. We’re gonna do it with math. And she was like, I really think this would help them.
But I had just started all this work on. These money blocks and was really seeing huge progress in a lot of my own clients. And I was like, well, it can’t hurt. Right? What’s basically, you like tap on your head and you tap above your eyebrows and you tap under your nose and you tap, right? Well, it’s gonna hurt just people tapping themselves.
We’ll see what happens. So we did, we tried an eight week process and, and I mostly did it just because I loved Jenny so much. Right. It was like, I’ll help you in your little career, whatever. Right. This could could be so cute. Yeah. I was the TWA waffle in this situation, so I was like, sure, I’ll help you. So we do it and in the meantime we did a control group.
So we just, the people who were in the get the hell of debt program, we divided them in half and we said, you are the control group. You’re just gonna keep doing everything Erin teaches in the get the hell of debt program. You’re gonna pay down your debt, you’re gonna increase your net worth, you’re gonna do all the things she teaches.
Then the other half are like, you’re also gonna tap once a week with Jenny for eight weeks and we’re gonna see what happens. So the people in the control group in the Get the hell of debt program on average did great. Paid off eight grand. Yeah. I mean it’s typical for us, right? They paid off eight grand on average, 85 or something like that.
- Yeah, it’s
great. Their net worth grew by $4,753 and 71 cents on average.
Great. Over eight weeks. Right. That’s huge. Yeah, huge. The tapping group, however, blew my mind.
That’s how much their net worth grew in eight weeks. That’s incredible. When we were done, neither Jenny nor I did the numbers, we had another independent party do all the numbers and stuff for us.
’cause I, part of me was like, this way I’ll be able to prove to Jenny that it doesn’t really work. Right. Yeah. Yeah. And when we got the numbers, I was like, I don’t believe you. Like, let’s see them. Like what numbers did you use? And they were like, no, I use the, and I was like, okay, take off the highest person in the lowest person.
And then like, let’s see the numbers, let’s take off the person. Like, and, and the, the rule was they had to show up for all eight weeks. So if they didn’t show up for eight weeks, they were removed from the numbers and they removed from the program essentially just so we could have accurate numbers. Sure.
They increased their net worth by $32,000. I was like, Okay, there is something to this. These money blocks really do impede our ability to build wealth if we’re not paying attention.
I was like that a ton before I did hypnosis. I was the same way about, and I had a client who did hypnosis and I was the same Aaron, and I was like, oh, let me, let me go help you with your low career and I will do this.
You know, I’m always worried about my weight. So I, so I went in for weight loss and we did three sessions and the first session was nice and thoughtful and I kind of got it. The hypnosis wasn’t walking around like a chicken. It was, you know, this whole different thing. And the second time I really felt like I was finally relaxed enough and into it enough that there was some real hypnosis going on.
But the third time, holy crap. Like I realized, I all of a sudden had this vision of my family as, as we were growing up, my mom would put my brother and I in the back of the station wagon. My sister wasn’t born yet, and we would go pick up my dad on the lunch break, on his lunch break at General Motors and we would drive to this little fast food place called Dog and Suds, like a sonic.
Pretty much, you know, you pull up and, and I remember just how fun that was going with my dad. And still today, I’m 55 years old. I equate fast food with family love and good times. Yes, I still do. I see the golden arches. I’m like, oh, this’ll be so fun. And then afterwards I’m like, I regret that so much. But it’s funny because I could finally put together these two things that seem to have nothing to do with each other.
And yet for me it’s, you know, when I get in trouble it’s because I, I, I’m not thinking so I go hit up a Taco Bell. Yeah.
That’s powerful. That’s so powerful. That’s exactly the work, right? It’s like we forget as fully functioning adults, how much of our lives are driven by things that happen to us in our childhood.
We’d like to think we grew up and we learn to adult, but we’re really just deep down a bunch of wounded kids walking around. Yeah,
we totally are. These money blocks are so important to figure out. The book is called Naked Money Meetings. Ending Money Fights with Your Partner Forever. I think it’d even be called Ending Money Fights With Yourself Forever as well, and it’s available tomorrow.
Yes. I’m so excited. I don’t know what I, I don’t know why I said that. I was just ran out of things to
There you are excited. You are excited. You, you said if, if people go to the website though, that you have the quiz right there, people wanna take
that at a time. Yeah. If you wanna know right now, like if you’re like, wow, I think I actually have one of these blocks and I need to know what to do, you just go to naked money meetings.com and you can just click and it’ll spit out for you and it’ll tell you.
And then if you send the quiz to your partner, it’ll tell you what’s going on in your relationship too. So it’s a really handy tool if you’re ever feeling like, gosh, I just feel stuck in this one area, what’s going on? You can identify the block that’s running your life right
now. Do you wanna just come be on every show?
Could just be on every show of ours. I
mean, let’s just, the Joe
and Aaron show. Can you imagine we’d have three listeners? It’d be great. It’d be
of us would get along so
well. Aaron, thanks for hanging out with us. Thank you for having me. Hey, this is Jenn Pilcher, Navy spouse of 23 years, and when I’m not helping military spouses connect in our digital community, I’m Stacking Benjamins.
Big thanks to Erin for joining us. Oh gee, I love it. Every time she’s on, and she makes a great point. We have to, we have to have these difficult conversations, uh, with our partner and, you know, sometimes we’re gonna disagree and that’s okay.
I think as if, if we started from the perspective of it’s not a difficult conversation, it’s just a conversation, it becomes a lot easier.
Right. That’s, I mean, having a discussion about money, having a discussion about the things that are important to you, the goals that you wanna achieve, the thing, the areas that you’ve screwed up, the thing that you just did yesterday that screwed up. I mean, being open and honest is quite often the easiest way to just, just kind of me meander through life and, uh, and it’s true with money too,
and expect that you probably will have a difference of opinion.
I like that as well. A hundred percent. Absolutely. Hey, let’s throw out Haven Lifeline and tackle some of life’s most important questions. Our friends at Haven Life Insurance Agency, Doug, they put what you value
first landscaping companies. I
you. I can’t
find one. You’re, you’re well. Wait a minute.
You are the landscaping company from I know it. I know. It’s, I think that’s the bigger
point there. But I’m trying to find one that I can afford even on my salary.
They’re not out there. Huge, huge salary. Uh, you get paid. Do we? Do we pay him for this? Og? Uh, when I get around to
sounds about right. It’s, it’s actually loved ones in your time, your loved ones in your time with a little jingle in your pocket.
That’s even better. It’s why they made buying quality term life insurance. Actually simple. You go to Stacking Benjamins dot com slash HavenLife now for a free quote At Haven Life. They are committed to offering a modern way to buy life insurance. It’s a simple application. It’s all online. You’ll get an instant coverage decision, no waiting weeks or months to decide if you qualify.
And they’re a company that, uh, is backed by the power of MassMutual more than 160 year old insurer. Today we are gonna throw out even lifeline to stacker. Zachary. Hey Zachary. I think it’s Stackery. Zachary, my bad. Let me do that again. Stackery Zachary. Hi Joe. Hi og. Hi. Not my mom’s neighbor. Doug. What the hell?
Uh, so advertisements, huh? They’re one of the easiest ways for corporations to get your hard-earned money. But, you know, some advertisements just suck. So my question is, what are some of the worst advertisements you have ever seen? Thanks for taking my call. See you later.
Alright, thank you Stackery.
definitely requires OGs
expertise. Yes. Uh, I think it does. OG watches a lot of watches, a lot of television, especially in the fall. Can you think of any commercials? Hmm.
Why don’t you guys go first on this one? I’ve got a. I tend to fast forward all the commercials.
You know, the what? The one I
hate is pdu.
Everybody knows that sound. Oh, that’s
TiVo. Yes. It’s amazing how everybody knows that sound. TiVo hasn’t really been around as a presence in like 10 years, but everybody knows long time. We still do it in my house when it’s, when you hit a commercial, we just say those noises. Oop. Yep. Come on man. You’re driving.
Fast forward, apparently TiVos, this is, we’re so far off, but uh, TiVo was one of the first devices that let you easily fast forward through commercials. So as long as we’re talking about dumb commercials, I suppose it’s relevant. They apparently have some licensing with some of the larger set top box makers.
Like there are people, my brother in uh, the Boston area, his. Xfinity Box actually is a TiVo operating system, uses TiVo Tech. Yeah. And there are some around, I don’t know why it’s regional like that, but there are some around. But anyway, the one that I, that still annoys me or the, I think it’s Capital One, the guy that, that wears the suit, that’s way too small.
And he is like the easiest decision in the history of decision or in the history of easy. And I am not going to a bank to have a cup of coffee. Why they’re making these, why they’re making these lounges in banks is just the stupidest idea to me. I don’t know who inside the corporate headquarters got that approved, but that’s not anything that’s gonna attract my financial decision
I think that, um, so many people are intimidated by the inside of a bank and by making it less intimidating, I think it’s actually a good thing. I think that’s a cool innovation. I mean, don’t get me wrong, it shouldn’t go, oh, they serve donuts. I need to put my money there. Like, that’s not a great decision.
But making it more inviting I think is. I think you’re wrong. I think
og, nobody wants to go to an inside of a bank, Joe. Nobody wants to go there, period. Inviting or otherwise? Well, that’s the point. People just wanna stay home. But look at why are they advertising? We have this nice lobby. Nobody wants to even go
to the lobby.
The reason why is because we’ve chased people out of the lobby. Like, we’re like, I don’t wanna go. I don’t
wanna go do that. No, I don’t wanna, no, that is not why. It’s just inconvenient to have to go to a different place when I can do it all
online. You get free, dumb, dumb
suckers at the bank. Still, there’s a type of ad that I don’t like, but I’m not alone.
I. You guys both remember SS n l has even made fun of this type of commercial with, uh, well, let’s listen into one
Hey, Matt, I think there might be one more gift for your mom right
It hasn’t been a normal year, so
Christmas, get her something extraordinary during the Lexus December to remember sales event. Nathan, you didn’t. With flexible financing and 0% a p r, there’s
never been a better time to buy
or lease a new Lexus.
Merry Christmas baby. Are you kidding me? Nathan? Did you seriously buy a car without asking me? Well, ‘
cause for Christmas, this
is a major purchase,
it, it was a December to
remember it’s a Lexus. We don’t have the money for this, Nathan. We
don’t. No, we don’t.
Your father doesn’t. Your father hasn’t worked since last March.
What? Yeah. Covid has hit a lot of people hard and I’m no
Nathan, you got fired in March,
- Covid had nothing to
do with it.
Hey pal. I guess your old man’s busted. Hmm. It’s beginning
to look a lot like savings.
So get to your local Lexus dealer today. How much did you spend on this ridiculous car, Nathan?
It was only 39 99 to Its signing four grand. It’s not that much babe. And how much is the monthly payment? The, what did you think? This entire car costs $4,000. Uhhuh. There’s a monthly payment. Yeah, but with
the 0% April, I think it’s all good.
A do you mean a p r? I’m
pretty sure it’s April. Wow. I’m pretty sure it’s a r.
And then if you remember, then the, then the neighbor comes over ’cause he just borrowed money from the neighbor. He said, borrow the
4,000 bucks from his
neighbor. When he said, but it’s Christmas. I could, all I could hear was og. It just sound, it sounded like his voice. But it, the Christmas thing and the stuff OG
hasn’t been a OG hasn’t been a financial planner in years.
Covid took a lot of people out. Yeah, those, those are annoying. I’m like, are you kidding me? You bought a Lexus right? You
didn’t ask me, or there’s even the G M C did a his and her truck commercial, I think last holiday. Oh, that was so horrible. Yeah. Let’s just get to, she
got a puppy. He got a truck. There’s that one.
There’s that one too. Yeah. I got you something. Here’s a little puppy. I got you something. Here’s a big pickup truck.
Well, let’s talk about some of the deceptive things that companies use in advertising. I went and looked up some of these because I think just as a consumer, you gotta be able to look through the commercial and go, okay, how are they selling me on this thing?
The first one they use, they talk about here. Is, uh, priming. This piece says, this technique involves exposing consumers to a stimulus that influences their response to a subsequent stimulus. For example, shows a happy family enjoying a product which can prime viewers to associate the product with positive emotions.
This will be like, you know, the Disney commercials or the, you know, we’re all just a family and that’s why we spend 16 bags of money visiting the mouse or the cruise ships, right? The cruise ships do that
one another, another really common one, I’m sure everybody, I’m not, uh, telling anything you don’t know, but the reason they show, uh, fast food ads late at night is not because they think you’re gonna go out of the house and go get the fast food right then, but they know you’re hungry.
Then if it’s 10, 11 o’clock, they know your stomach’s starting to talk to you. So you’re gonna start to associate that image with the feeling of hunger so that when you get hunger again, it just, that image just shows up in your head the next day when it’s time for lunch or whatever. They know you’re not leaving your house at 1130 to go to McDonald’s.
You, eh, It’s
closed. Is that why all the show is Taco Bell and Dorito ads on chive tv? Right. Because they know you gotta be high to be watching that stuff. Uh, decoy effect, this technique involves presenting consumers with three options, one which is clearly inferior to the other two. The inferior option is included to make the other ones just seem more, uh, attractive.
uh, the sticky tape. What’s that called? Flex Seal. It’s like, oh yeah, if you use regular duct tape and it’s like a piece of scotch tape or something like that, they’re like, your boat won’t be able to, you know, you’re, you’re screwed. You’re gonna sink in the ocean. You ever tried to
scotch tape your boat, but use
Flex Seal and you can go fishing today.
The illusion of, of scarcity, of course. Uh, create a sense of urgency. I saw one of these just literally yesterday in, in one of my online feeds, going the next nine people. And then you think about that for just a second. You’re like, okay, this, this ad they must have bought for like a week. And it says the next nine people get this right.
Loss aversion. This is, uh, insurers to think about. Allstate involves emphasizing what consumers stand to lose mayhem. You know, I thought you said lost
No, it’s a whole, whole different thing for you. It’s, it’s where Doug’s crying in the quarter later bandwagon effect. Think about those. Dr. Pepper commercials, where the whole
Dr. Pepper involves suggesting everybody else is, is, is using it. That’s a good one. And then another one here, emotional appeal. Uh, jewelry commercials. Think about these involves appealing to their emotions. Happiness, sadness, fear. And then celebrity endorsements. Uh, those are just a few of the techniques.
Of course, you guys, if people are new stackers, if you’re new to the show, you don’t know that there’s one type of commercial we think is the best commercial of all time. And of course it’s a, well, it’s this defunct campaign. Bud Light presents real
genius. Real man
today, we salute you, Mr.
Silent, killer Gas passer, Mr. Silent Killer Gas
night you had the enchilada combo platter this morning, the three cheese omelet with broccoli this afternoon, you are a ticking
Tick, tick, tick because of you. Tick tick. A simple elevator ride is suddenly a 42 floor plummet into the very bows of hell.
Who did it?
Who cares? Sweet Mercy, please. Just someone light a match. So crack open an ice cold bud. Light o ninja of the nasty. And while you’re at it, crack open a window, Mr.
Those couldn’t be
better. Could not be better. I agree back in the day. Thanks, Zachary, for the question. If you’ve got a question, uh, maybe about your money, not just about commercials, uh, send those uh, to us at stacky Benjamins dot com slash voicemail. If you’re brave enough like Zachary was to call in with a question, well then you know what?
We send you a Haven Lifeline Greatest Money Show on Earth T-shirt as a thank you, uh, for stepping up to the plate and helping the show. Well, before we say goodbye for this episode, uh, just our community calendar this week. If you want to find us on all the different channels on, uh, you may be watching us on YouTube today.
If not, subscribe to the u our YouTube channel if you wanna hang out with us, uh, generally, and I will be there this week on Thursday. We do an Instagram live every Thursday at 5:00 PM Eastern, as long as I am in town. Uh, this Thursday we have Lisa Fisher, who’s the Chief Lending Officer at a new FinTech company called Mission Lane.
We used to do a Friday FinTech segment, but we’ve moved those to our Instagram channel where we learn about some of the cool new innovations that, uh, hit your phone and your wallet. Mission Lane is a pretty interesting company. Lisa was somebody, she’s gonna tell the story on Thursday og, but, uh, she found out that her husband, uh, at the time was a huge gambler and had, uh, basically wrecked the family’s credit completely.
And so Mission Lane helps people out with, uh, credit issues that might have as much to do with the people around them, as it has to do with them. We’re gonna talk to Lisa on Thursday on Instagram. What I love about our Instagram lives is you get to ask questions as well. So join us Thursday on the, uh, stacky Benjamins Instagram channel.
If you wanna find out all the places where you can hang out with us, it’s stacky Benjamins dot com slash welcome is our welcome guide, and that’s what’s going on this week. Uh, but if you’re not here to hang out with us on Instagram, you’re not here for the fantastic Bud Light commercials, you’re here because you need to make better decisions with your money.
As we roll into fall, head to Stacking Benjamins dot com slash OG because that’s linked to OGs calendar. He and his team are taking clients still for a little bit longer. This, uh, this fall. Stacking Benjamins dot com slash og. I should use some of that commercial manipulation there, og. And just go the next nine people.
increase at midnight. I should do, I should
do do some of that free shipping.
Wait, what? Stacking Benjamins dot com slash But wait, there’s more. Are you sitting down? You act today? Stacky Benjamins dot com slash og. Alright, uh, coming up on Wednesday, Chad Carson, coach Carson has a very philosophical way at looking at building your real estate empire.
And he says that a lot of people create a full-time job out of, uh, managing real estate. And if you want somebody who’s buying some of the other currencies, we’re gonna talk about other currencies like Time on Wednesday show with Coach Carson. So join us, uh, then, but for now, this is where we wrap up the show.
Doug, what are our top three takeaways, man? Well
Joe first take some advice from Aaron Sky Kelly and address financial matters with your partner head on second, wear what makes you feel good rather than wasting your hard-earned cash. Trying to look supreme with pricey designer clothing. See what I did there?
But the big lesson, squirrels cannot be trained no matter what. That busker on the Vegas strip told you.
Thanks to Erin Sky Kelly for joining us today. You’ll find her new book wherever books are Sold. We’ll also include links in our show notes at Stacking Benjamins dot com. This show is The Property of SSB Podcasts L L c, copyright 2023, and is created by Joe Saul-Sehy High. Our producer is Karen Repine.
This show is written by Lisa Curry, who’s also the host of the Long Story Long podcast With help from me, Joe, and Doc G from the Earn and Invest podcast. Kevin Bailey helps us take a deeper dive into all the topics covered on each episode in our newsletter called the 2 0 1. You’ll find the 4 1 1 on All Things Money at the 2 0 1.
Just visit Stacking Benjamins dot com slash 2 0 1. Wonder how beautiful we all are. Of course, you’ll never know if you don’t check out our YouTube version of this show Engineered by Tina Eichenberg. Then you’ll see once and for all that I’m the best thing going for this podcast. Once we bottle up all this goodness, we ship it to our engineer, the amazing Steve Stewart.
Steve helps the rest of our team sound nearly as good as I do right now. Wanna chat with friends about the show later? Mom’s friend Gertrude and Kate Kin are our social media coordinators, and Gertrude is the room mother in our Facebook group called The Basement. Say hello. When you see us posting online to join all the basement fun with other stackers, type Stacking Benjamins dot com slash basement.
Not only should you not take advice from these nerds, don’t take advice from people you don’t know. This show is for entertainment purposes only. Before making any financial decisions, speak with a real financial advisor. I’m Joe’s Mom’s Neighbor, Doug, and we’ll see you next time Back here at the Stacking Benjamin Show.
I had quite a wild thing happened yesterday on the way home, turns out.
Speaking of that, speaking of airlines and laboratories, So I, uh, you know, from time to time you may have to use the restroom, the facilities, this one does. So I go into the facility and I sit down. I look up at the door and it says, make sure you lock the door.
I’m like, oh, that would be embarrassing. And it shows a person, and then it shows an arrow and a lock at the end of the arrow where the, the arrow is pointed toward the lock. So I take the thing and I move it toward the lock, and then about 30 seconds later, the door opens because I had already locked the door and I unlocked it.
And here I am in my hello best, and some lovely lady. Got the surprise of a lifetime. There’s so many
stories. There was the little picture of the lock at the end of the arrow. Did it have that funny shape hook at the top of it with a little gap
underneath it? I swear to God it was locked. I don’t know. I was so damn tired.
It could have been on lock Pro
tip. That means it’s unlocked Joe, when you got the little funny, I don’t know what the hook is at the top of that little block at the bottom. I’ve never known, but over time I’ve just learned, oh, that means the door will open.
Isn’t that a master lock at the bottom of the little thing and then the hook at the top?
Yeah. Is that what you’re talking about? Maybe. I don’t know. I don’t know. I was sure I was locking the door though, and that wasn’t it. But you know, we got much
important stuff to talk about because while I was gallivanting out west, man, we had lots of big stuff happen. The Wagner guy getting shot down.
Whoa, whoa. That’s
So yeah, that would’ve never happened. The Russians would’ve taken that guy down.
I think it’s a hard W by the way, what? Wagner. Wagner, yes. And the Wall Street Journal had a nice article on this. They reviewed a whole bunch of. Of the video footage, which I always find interesting, you know, when there’s some sort of calamity like that.
Right? Not, not, I’m not just talking about this, but, um, there’s a helicopter that crashed in Miami a couple of days ago, sadly, you know, injuring a number of people, and I think I saw that one killing one person. But, um, how does somebody have a video of that? You know what I mean? Like, it’s very odd, you know, and we should bring Paula into this because she had the, she did, she had the crane video.
Yeah. And it’s like, I, I don’t necessarily think, the first thing that I think of is I should record this, you know, that looks, that looks funny. I’m gonna record this, but
there’s, oh my God, I’m going viral and that dude’s dying.
Well, it’s not even that, it’s just more like the timing is very suspicious.
Like how do they have footage of that, uh, plane exploding. Yeah. That is weird because nobody, you know, I mean, I plane fly over my house all the time. I don’t think, well, I probably should video this one just in case something bad
happens. Right. I’ve been doing this for 12 and a half years and finally, finally
Yeah, no, that the plane thing is highly suspicious. I don’t, we’ll have to talk to Paula about what precipitated her picking up her phone. Yeah. Was the crane like starting to teeter? Were there big noises happening? I said she saw the snow, you know, and the structure
that caused her. Yeah. Yeah. She, you might not have been there for that session, but she said that she saw the smoke and was just going to video a little bit and put it on her Instagram channel or whatever.
So she saw
the smoke. I actually was there for that. Thanks for not remembering that. And it happened. Process
was significant. All this big stuff going on in the world. I got something much bigger that I noticed while I was on vacation. Hurricanes today, that annoys that. Me, everybody in getting this is, this is horrible.
Og. Have you noticed that? Retail people now when you walk into a store, say, welcome in. They don’t say welcome anymore. They say, welcome in. Welcome in. No.
A, I don’t go to stores and B, I’ve never heard that in my
life. It’s the weirdest crap. Once you hear it, by the way, you won’t unhear it. Kind of sorta. I had to go shopping with Cheryl in Dallas before we were Right.
Exactly. Was it a resale shop?
It was. It was.
That’s what I thought. Right. Where the hell are we? No, I walked into Banana Republic and they go Welcome in. And then we go to og. What’s that store that Mrs. OG likes with the uh, shorts and the Victoria’s? Oh, uh, no. That’s the one you like. That’s your favorite
That’s funniest thing you said here. What’s the store? Valori
Vori. Vori Vori. Yeah. We walked into Vori. That’s leisure. Woman looks at me right after I just went to bed. Banana Republic. And the woman says it, woman looks at me and goes, welcome in. What the hell? Then we go down to another store. Welcome in.
We don’t need the word in. Like, why do we have the word in? Did they say Welcome
out on your way out?
No. Or goodbye out. I don’t,
yeah. See ya’ll see out. It doesn’t off me as much as it offends you, apparently. Oh, it
was, this is big stuff. I mean, I know there’s other things going on, but I’d never heard that before.
speaking of big stuff, when we’re in, did you leave, uh, do you have an Amazon fire stick that you left at my house?
Well, thank you. No,
you, it sounds painful leaving that at your
daddy’s house. Well, you left headphones that I saw. I did leave headphones. Oh yeah. I just figured that was yours too.
But no, I’ll spend the other guy that would stayed at my house, forget
it. Spreading. I’m like the Johnny Apple seed of Amazon Fire sticks. Very easy to forget. Welcome in. Welcome in. You’re gonna hear it all the time now. And you’re gonna go where? When did this start? I don’t really talk
to people generally, so I doubt that I would hear it, nor do I go
places he’s never Doug.
10 years from now. Oh, gee’s gonna be on the show going, I I didn’t hear crap. I didn’t hear that. It was nothing. Amazon
delivery guy. I saw a funny, uh, thing on Reddit the other day. Somebody had to, uh, order a new set of AirPods. You know how when you, uh, some, some things that you order, they ask for delivery instructions when you have the order, whatever, here’s the gate code, whatever it is, he thought that he put the delivery instructions, but instead it was the
Nice flex. I don’t know Butler’s name.
at all. Gate code. That’s what it said. Jesus. It’ll say gate code on there. Geez. I mean, if you’re somebody who’s delivered to your house, you gotta say like, just trust me. You’re still on the right path for a mile. You know,
logging road number for me.
You won’t know where you are, but just trust me.
Keep driving for a mile. And then you’ll, the pass followed the breadcrumbs. Anyways, the engraving said, uh, backdoor, please. Oh, no. Or said backdoor if possible. And that’s what he put on the engraving. Instead of the, uh,
he put that instruction on the iPods instead of, we thought it was the delivery, delivery instructions.
Nice. That might not go the way he hoped it would’ve.