Katie
Appearances
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
Is that a bulldog on your sweatshirt? I wore this just for you, Monica. I'm probably going to have a heat stroke. I'm in Arizona and I'm wearing this. Look at you. That's a great sweatshirt. Did you go to UGA? I didn't. I went to University of Tampa first and my girl Kristen found this for me at a thrift store back in like 2003. It's a great sweatshirt.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
Well, I can send it to you. No, I refuse to take from our chair.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
I'm in a very warm wool porch right now.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
No, I'm actually from Missouri. Went to Florida and then transferred to U of A. I'm near Sedona now.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
took place in Tucson. We joke and say it's a sunny place for shady people. So it took place in 2006. I was going to the U of A and I just moved to my first off-campus housing, some student apartments, and they were a ways away. So I was going to have to commute every day. I had a car, but I apparently decided to be frugal all of a sudden. And I found out how much the parking pass was.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
Compared to my old school in Florida, I was just like, this is absurd. I refuse to give that much money to park miles away from where my class is going to be anyway. So I decided I'm going to take the city bus. I'm not above that. It'll be very humble experience.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
Yeah. Yeah, it'd be very environmentally friendly, less car on the road. Yeah. So overall, I actually really enjoyed it. It was really quiet in the mornings and I could study and do things last minute. But this one very balmy monsoon afternoon, I was taking the bus back from campus and I was like the last stop. It was like 110 degrees, probably like 115 at the bus stops.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
Super humid all of a sudden. So everything's super hot and sticky. I often saw interesting characters. We had lots of regulars on our route. One of my regular guys, we'll call him Pete, he hopped on and he's an older guy and he looks like he's not able to let his 80s California boardwalk days go. He's very sun-weathered, really orange-brown skin. Looks like you could drag him down the street.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
He'd be totally fine. He had really long,
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
bleached yellowy white blonde hair and it was balding on top but long enough he'd pull it in like a messy ponytail in the back and he was a cool guy like didn't usually make a scene but i guess this one afternoon he decided it was a good day to pamper himself so i'm sitting in the back so i can pretty much see everything that's going on and he sits down towards the front of the bus and you know there's a big old city bus so the windows don't open they have the ac unit kind of towards the front in this one but
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
But they don't work. It's like spitting water. And it's just kind of recirculating half-assed cool air. So he sits down across from the AC unit, starts taking off his socks and shoes. And I'm like, okay. You know, it's hot out. Maybe his shoes are rubbing. And then I see him. He reaches into his bag. And then he pulls out what looks like a small cheese grater. He starts sawing away at his heel.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
Every time we would turn a corner, you could see the sun rays shining down perfect lines through his wafting cloud.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
Dead skin cells everywhere. It's a pretty big cloud too. First of all, I instantly cover my face. I don't want to embarrass the guy. Like maybe he doesn't have a home or he has a home. He can do this. Maybe this is his time. I cover my mouth and I'm taking like the tiniest little sips of air possible. So I just pictured them going in the mouth and nose.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
The reminder is like 115 degrees and everyone's sweaty and it's summer. So everyone's wearing tank tops and shorts. And all I could think about was just his dead skin just sticking to everyone around him.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
Thankfully, no one made a scene, but I'd say we were all wearing a little bit of Pete's Petty that day. I debated hopping off the bus as soon as possible, but it's super hot. And in my luck, I wouldn't find anyone. I'd have to like stand on the road and 120 degrees and pavement calling someone to come pick me up. It wasn't reasonable. So I stayed on for the duration.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
Oh, no, he did both. He had to get the full spa treatment. Yeah, he was selling away. I feel like nowadays people would probably say something, so I guess I'm grateful that people were very polite.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
Thank you. So I did wildland firefighting for like 10 years and I quit to have my babies. I'm at home now. I have a two and a half year old and a six month old. Aww.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
You guys have really helped me get through some hard moments of running with him in the stroller. And the isolation has been hard for me. So you guys are awesome.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
And can I say happy birthday to my husband?
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
Phil. I just booted him out with the kids. Like, you have to go now.
Armchair Expert with Dax Shepard
Armchair Anonymous: Public Transit
pretty much. Happy birthday to him. And thanks to Christy, my sister-in-law for hooking me up. She told me about your podcast. And then my brother for being my tech support, my brother, Bob, he helped me out today, calmed me down a little bit. It all worked out.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
So she comes up to the door, starts doing her typical routine. But then she gets angry at the dogs and screams again. And then she throws a bag of charcoal at the window where the dogs are barking at her. And then on her way back to her house, she knocks the grill over. Oh. Again, all this on video. The cops come and then this time they do make contact and they do criminally ban her.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
And basically they say she's being really nice. Like, I just wanted to see if someone still lived there. I hadn't seen them in a while. Oh my God. And then they said, the second that they said, ma'am, there's video evidence of you doing this. She like flipped and was like, I don't care. Arrest me then. Oh. Immediately had this weird reaction. So I don't know if there's a dementia element going on.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
Kind of sounds like it. It's sad.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
After this, the cops are basically like, if I were you, I would file an affidavit and basically say that you want her to be charged with discharging a weapon in city limits, harassment, and trespassing. She does get charged. As far as I know, she had to appear in court.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
so i guess she has a record now from then on we really have not seen much of her other than her going to get her mail and then also apparently she had been walking around the neighborhood during a heat advisory and knocking on doors asking for help one lady this is the one that came and talked to us answered the door and she said something about i don't know where my husband is they took him away from me and so she was like okay well i can't really help with that but i can at least drive you back to your house
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
And then she showed up the following night in the middle of the night saying the same thing. Yeah, there's some, yeah.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
She could have knocked during this. It would have been so great. My dream is that someone at the end of their crazy neighbor story just goes, I have a shout out. Can I just bring in real quick? And it's their neighbor. Well, you're the first, so it might happen. Okay.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
It sucks. It's like, oh, we have this sweet old lady and we just had this baby.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
I'm going to give a quick shout out. My mother-in-law, Lee, was sad that she couldn't be up here to pop in at the end.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
She started listening to this with me on like a road trip.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
No, I'm in Jonesboro. It's like northeast, close to Memphis.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
It's all right. It's just okay. If I were going to be like Northwest, that's like Ozark. That's a place to really be, I think.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
Yeah, I was like, that's so cute. That'd probably be second for me to Northwest Art. Yeah, if we had to rank, which is what this podcast is about, is me ranking the different places in Arkansas.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
I do. I kind of had to make myself some notes to keep all of this straight. We have a lot of timeline info going on. Okay, great. So my husband and I moved here in September of last year from South Arkansas, where we're from. And I was very pregnant. I was due in December. Our house that we ended up buying is like a split level. It's got like a wraparound deck on the top level.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
And that's where the primary bedroom is, the living room, the kitchen. And then our driveway has two entrances and exits. And then so does our neighbor's driveway. And we share one of those entrances and exits. So on move-in day, our trash can was in the shared drive roped off to keep people from going in that drive, which we thought was odd. Like, have we already pissed somebody off?
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
And so we were like, oh, let's do something nice, like go get cookies and introduce ourselves to that neighbor. But before we could do that, we actually saw her go to get her mail. And my husband, humble brag, he's pretty cute and he's really nice.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
So, you know, I'm like, let's send him out there to talk to this old lady.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
Yeah, go schmooze a little bit. Go rub elbows with this old lady neighbor. And so he goes out. She's wearing a muumuu. She has a walking stick and some big cataract glasses. Oh, wow. already kind of giving off character energy.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
I'm trying to remember what character. There's a weird old lady in Harry Potter. Yes, Mrs. Squibb or something like that. Creepy, like jump scared. Rob also has images of this lady.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
So anyway, he goes and he talks to her and he comes back. He's like, oh, she's nice. She put the trash can there because there was a small pothole and there had been people looking at the house. She didn't want someone to get their car damaged, something, something. Okay, great. She said her husband was in the hospital with a bladder infection.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
Check up on her, you know, if we don't see her for a while or something because she was there by herself right now. She did say some kind of kooky old lady things. One example was she said, don't you just love the night?
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
And he was like, okay. She said something about how she just loves to stay up and she watches TV. And so, of course, then we continued to say, don't you just love the night? It's like a weird thing to creep each other out.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
They exchanged phone numbers just so that we could contact her if we hadn't seen her in a while. She's in her late 70s. We just saw Wicked, so we're going to call her Mrs. Glenda. Okay. Okay. A couple weeks later, after we move in, we go to dinner. We come back and we're dilly-dallying around the house and we see a bullet hole through the window. Oh, my.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
We did call the police and we said we think there's a bullet hole. There's also an image of this. It went all the way into the dining room.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
So next to that pasta painting, there's like a nick in the drywall. And then if you look at those three windows to the left there, it came from one of those windows. So it literally went like all the way across and then into that drywall that we had to then patch up.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
Yeah, they took a report, but they also basically were like, well, you're in the South. You're kind of in a wooded area, even though you are in city limits. So it might be someone hunting where they're not supposed to. Nothing we can really do. Time moves on. October, my husband called to check on her because we hadn't seen her in a bit. Usually we would see her going to get her mail almost daily.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
And she said, actually, there is something you can do for me. You can call the police. Okay. I want to file a report. There have been people watching me and trespassing on my property. So we're kind of getting weirded out because we just had this bullet hole. So we call, they come out, they talk to her. We don't hear anything about that because it's not really our business. But we get to November.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
We came home from an OB appointment. And as I was walking back out to the car to get something out of the car, my husband rushed me back inside and said, Miss Glinda's dancing around with a gun. Go back inside. Oh, oh, oh. Oh my God. And I was like dancing around with a gun. And he was like, go downstairs and I'll come get you.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
He comes back in and he's called the police, obviously. And he said she came out from behind the side of her house where we can see her from our house and said that she was wearing like a helmet. And he said she had a rifle slung over her shoulders. Oh my God. And was yelling and doing almost like a scarecrow looking sort of movement. Very odd.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
Then he said that the helmet kind of tilted down over her face and then she tripped and almost dropped the rifle.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
If it wasn't a gun, it would be like a different situation. But once the gun is in the mix, we're having an issue. So the police come, they talk to her apparently, and then they come talk to us since we're the ones that called. And they said that she definitely seemed kind of off, but they didn't see the firearm.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
And they said she was holding a cardboard box with the words birth control scribbled on it. What? She told the cops that she had been filming a video for her kids. Uh-oh.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
So we're already getting into weird territory.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
bizarre. So we get to February. One day she came and banged on our door. We weren't home, but when we did get home, we saw her like walking out around her house and she kind of yelled across the yard, Hey, don't use my driveway anymore. Oh. And we were like, okay, no problem.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
At this point, I'm two months postpartum. So I'm like literally whatever I can do to not have you talk to me. Awesome.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
So we stop using that driveway. We don't even walk up it when we get our mail, even though our mailbox is on that side. Now we go like all the way around. So later this month, my husband shoots bows. We have like a target in the yard. And so he's standing out in the driveway area shooting this target. And he had our baby in the bassinet stroller situation just out with him.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
I'm inside and I hear a gunshot. I'm immediately freaking out because I know that this woman has a gun and I know that my husband and my baby are outside. Ugh. And so I run out. I don't see either one of them. So now I'm even more panicked. And then I realize he's down the street on the phone with who I assume at the moment is the cops. And so I'm like, okay, thank God they're okay at least.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
But I did see her holding a pistol, like walking into her house.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
Yes, which isn't abnormal in the South, but this is when we get into an issue where it's like, how do you take away someone's guns when they are not mentally sound enough to have them, which she clearly is not. The cops come, they file a police report, and literally in the police report, it says, cops advise the suspect that it is illegal to discharge a weapon in city limits.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
FYI, that's illegal. And she did admit she was like, oh, I was just shooting at the woods. Oh, my God. Okay. I have to figure out who this person... Does she actually have children? What about the husband that was in the hospital?
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
To this day, we have never seen the husband.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
That's not right. We... Have a lot of theories, obviously. You know, did she kill the husband? We don't know. Also, those bladder infections can get you.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
I do some online sleuthing and I do find that she has two adult children. One, at least I knew, lived in town. He was a realtor. And so I found his cell phone on his realtor website and I called him and I explained the situation. I'm like, hey, we live next door to your mother. She's firing guns. Can we figure this out? And he was like, oh, we're estranged.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
he says a few years ago he tried to talk to her about her mental health and she basically said you're trying to steal my money and my house and put me in a home don't talk to me oh boy and so he suggests calling the sister he says last i heard they were still talking maybe give her a call so he gives me her phone number i call her she says we're estranged talk to my brother oh my god cool i am on my own
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
but he did tell me that his father had had a stroke a few years back and he said to his knowledge the father is still alive and wasn't in a home okay in march my husband leaves the house he's a director of a soccer club can i ask a quick question the time you came out where you're shooting the bow and he was down the road did he tell you what had happened had she come out and just start firing in his direction
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
He also heard the gun and then he saw her walking around the house. But anyways, he leaves to go to soccer practice. I'm home alone with the baby. And here comes Miss Glinda to the house. She starts ringing the doorbell and banging on the front door. I'm not going to answer because I don't know if she has a gun. I don't know what's happening. And I'm by myself with the baby. Oh my God.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
And this is where the upper deck wraparound deck comes into play. So essentially she's ringing the bell. She's banging on the door. I have two big dogs. They start going absolutely nuts. So I'm like, okay, I'm just going to take me and the dogs and go into the bedroom. She'll think we're not home. Also, I have a sleeping baby downstairs. I'm trying not to wake the baby.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
And she's banging on every single door. She's jiggling door handles. She's banging on every window. She's looking in. She laps the entire deck two times. She goes out to the garage area. She goes like she's going to maybe even go into the downstairs backyard area. And at this point, I'm freaking out. I don't know if she has a gun on her. I don't know if I've accidentally left a door open.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
What if I've done that and she comes into my house thinking that I'm in her house? Sure. Yeah. So I'm calling my husband. I'm in tears. And he immediately rushes home. He's on the phone with me the whole way. And I have this on video, even though he wouldn't want me to share it. But my husband's very non-confrontational. I'm very confrontational.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
You just see in the video, like he squeals up into the driveway. She's coming around at the front door and she's like, hey, neighbor, how's it going?
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
And he's like, you have my phone number. There is no reason for you to be on our property over here banging on doors, jiggling door handles. She starts to get pissy. They get into a cussing argument. She's walking back to her house, like cussing him out. We call the police, file a police report, et cetera, et cetera. Like we do every one of these incidents.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
And all of the days and weeks after this confrontation, she's walking out to her mailbox and like flipping us off. After this, I filed an APS report, Adult Protective Services, because I'm like, she's off her rocker. She might be her husband's primary caretaker. None of her kids can get through to her. I don't know what else to do.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
And I do know that they came out for a visit because they accidentally came to our house. I'm not privy to the info after that. So this leads me to my final event. We get to April while my husband and I were out. Miss Glenda comes onto our property holding what looks like open mail. She's throwing the mail everywhere.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
She walked towards our front door and she's saying, hello, Katie and Rex are names. And she's proceeding to scream at our dogs through the window. That's that one photo where it looks like she's screaming.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
And she's saying, where are you? Walks around the entirety of the deck multiple times, doing the same thing, jiggling the door handles, knocking on everything. And then again, we call and report this to the police. When the police come this time, they're like, would you like us to go criminally ban her from your property? And I'm like, sure, great. Why are we just now doing this?
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
So they go, they attempt to make contact, but she doesn't answer the door. So they can't criminally ban her because she doesn't answer the door. Oh my gosh. That's the...
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
Yes. I don't know if this is a state thing, but you can't file a restraining order unless there's already been evidence of physical altercation.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
Exactly. Again, my husband leaves to go to soccer practice, and I am home alone with the baby. And here she comes again. This is later the same day. Oh, my God. She's back. I see her coming and I'm on the phone with 911 and I'm like, y'all better come here right now. I'm done with this lady. In my head, I'm like, I'm about to let my dogs out.
Armchair Expert with Dax Shepard
Armchair Anonymous: Crazy Neighbors
Yeah, exactly. And also they keep saying, well, we can't do anything unless we catch her on the property. And I'm like, I have video evidence of her being on the property. What's the point of the videos then? I don't know.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
And if you want to imagine the house from Animal House, rugged frat house vibes meets Celtics fan meets like deadhead sort of deal. Okay. He has this big open dining room and there's no dining room table. He's nailed a basketball net above the doorframe.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
He would totally own that. He was like 40 when he had me. So he was the type of dad that's a lot older.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
Fast forward to 2010. And for Christmas, he's gotten us tickets to go see the Celtics.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
Yes. This is the same team essentially as the 2008 championship team. So the big three, Kevin Garnett, Ray Allen and Paul Pierce and Shaq's on the team.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
One season only. Wow, what a great window you got in there.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
This is a big deal. So we're flying to Boston. It's the night of the game. Typical Boomer energy. Dad wants us to go to dinner before the game at the oldest restaurant in the country. It's a seafood establishment. Oh boy. So I actually decide to not get seafood. I get a burger.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
I'm not sure about that. Maybe now for getting to tell you guys the story, but at the time.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
Flash forward again. It's the fourth quarter of the game. We're courtside, baby. Oh, wow. We're behind home bench. The energy is electric. It's a close game. It's everything you could ask for. And then I turn and look at my dad and my face goes green. And I'm like, dad, I think I got a puke. Oh, no. Not great timing.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
And so something you don't think about with the closeness of the seats is that the bathroom proximity is going to be a major problem.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
And so I'm booking it. As soon as I say that, he's like, do what you need to do. So I just start like I'm sprinting up the stairs. All I can think about at that time is, oh my gosh, my Jumbotron debut is going to be me just projectile vomiting over all these people. But I made it. I'm going into the hallway of the bathroom and just kind of start spraying vomit down the mirrors, down the sink.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
I called my dad yesterday to get some more details. He was trailing behind me as I'm running up. And I'm sure he stopped and wanted to check the scoreboard first before he took care of me. And he said that he could smell what was happening. Oh, boy. Before any vision. Oh, no.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
I asked because I felt like you guys would want the details. I'm like, what did it smell like?
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
And you just said it was just out of this world. Oh. You can hear it. Women just screaming. Bloody murder. It's like something horrible happened.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
Yeah, I guess I haven't thought about that aspect of it. I didn't get as much sympathy as I would have.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
She's probably drunk. And then he finally gets up there and he sees women fleeing the scene out of the entrance and the exit. It's like mass exodus of the bathroom. While this chaos is happening, my dad thinks to go to the merch stand. Oh. She's probably going to need another Celtics sweatshirt because I'm like decked out.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
I do. He's thinking of me, but he's really thinking of himself because he's like, I need to get back to the fucking game.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
He's a great dad. So he gets me a sweatshirt and it was funny him telling me yesterday. He was like, I felt so bad for you. You had been through so much. I got you the most expensive sweatshirt they had. So that was him like recapping it to me.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
the like demon exorcist moment was over and he kind of peeks his head in hands me the sweatshirt and he's like you know we should probably get back to the game it's a close one and there's only a few minutes left we should book it back to the seats as soon as you're changed out you're ready new sweatshirt on but i had really really long hair at the time and it's just caped but you know that's not a priority right now we have a basketball game to get back to
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
So I do the walk of shame down all those steps. At that age, I'm already really anxious and thinking everyone's looking at me and judging me all the time anyway. But I know that they were. I was acutely aware walking down those steps that everyone's like, that's the girl that was running to the bathroom. And you can smell me. But we made it back. They did lose everything.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
That was kind of what was weird about it.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
So I don't really know what the lesson in all that is. Maybe get the type of food that they specialize in.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
Yes. Can I just tell you guys really quick? I'm a therapist and I started listening to you guys in 2020. I just started grad school at William & Mary. I was going there for clinical mental health counseling. And you have to kind of like pick a specialty when you start. And I had originally picked family therapy. quickly lost interest in it. I was thinking about changing to addiction.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
I have a lot of family experience with that. I think that's what I should do, but I was unsure. Someone in my cohort had told me about armchair. I was commuting from the Eastern Shore to Williamsburg. It's like, almost three hours. I listened to you guys nonstop. And the first episode I ever listened to was day seven. And that was literally life changing a sign.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
I thought that I should specialize in addiction. And I did.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
That's the funny part. So I got out, I started working at a practice specifically for addiction and it ended up being more prescription drug addiction, which is heavy, heavy stuff because it's usually co-occurring with all the other substance use. So I will say it was a little much for me.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
Oh my God, I love him. That family experience stuff was being activated. So needless to say, I did resign quickly from that, but I have my own practice now and I see everything and I do some substance use. I do a lot of eating disorder stuff too. So still in the addiction realm, but I just wanted to thank you guys.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
It was a great learning experience and it got me to what I'm doing now.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
This is my meditation slash creative closet.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
That's kind of what I was going for. Oh, good.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
This was perfect timing because a couple of weeks ago for the new year, I was working on a vision board and it kind of took a life of its own and it became a wall and then became a whole closet.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
No, that's James and the Giant Peach. Just a tapestry. It has a bunch of mushrooms. Just a lot of imagery.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
I'm on the eastern shore of Virginia. My story didn't take place here, but this is 2005-ish. My parents get divorced, and I'm going back and forth between their houses.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
10, 11, a perfect age for divorce. So going back and forth every weekend, two very different houses. I'm at my dad's house and he's a lifelong Celtics fan, just basketball fanatic in general, but specifically the Celtics. So he passes that on to me and that's kind of our bonding thing.
Armchair Expert with Dax Shepard
Armchair Anonymous: Sports Event
And so whenever I'm at his house every other weekend, all we're doing is watching the Celtics, talking about the Celtics, learning about the Celtics. He had these instructional tapes specific to Larry Bird. That's what an adolescent girl wants to do, right? Is like watch these instructional DVDs. Larry Bird, like talking into the camera.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Yeah. I mean, all of this is somebody having some sort of mental breakdown. Being obsessive, locking yourself away, withdrawing, breaking down your consciousness. It's all alarming.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Yeah, wild. Fruit-tarian is also very hard to take seriously.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Maybe you haven't thought this one through.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
This is a dream scenario for a cult leader.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Yikes. Sorry, Nature Boy.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Absolutely wild choices.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Right out of frame is probably like a major road, major thoroughfare.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Also, I don't know if you are leaving Babylon, if you're not connected and uploading videos.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
What are we talking about here?
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Unbelievable. But also, thank you for reading that.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Are they all shitting in that yard?
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
I feel so bad for them, although he's making his choices.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Right.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
There's otherwise why wouldn't you at least try to sell it?
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
The same way they don't let us do it here.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Presumably they heard part one, so.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
You're being slippery here.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Also, it's like everything's a cult. Culture. I'm like, OK.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
There's a distinct version of cult that we're talking about here.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
These people aren't actually doing the thing I wanted to do.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
There's a lot more thought put into that.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Well, I think we've seen nature boy throughout his life. Yeah. Start a lot of things and quit them. He didn't like the amount of work that the barbershop required. It's, you know, looking for an easy way to make money and fuck women. Yeah. Say fuck women. I think so.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
potentially thinking, well, I want to be in those videos. I want to have a sick photo of me in the waterfall.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
There's no actual ideology here.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
the problem with the internet.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
It's like piggybacking on another movement. That's one way to look at it. But yeah, it's a net that casts some good things and some bad things.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
No, it's not at all. And for someone who has talked about sexual abuse in his own childhood, you would think there'd be some connection about how destructive and confusing that would be.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
No. Or do you need to be... Nope. Does your kid need to be breastfeeding while you have sex with his mom?
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Not really necessary. Then it's a kink. Then you've got a weird thing going on. And I feel so bad for the woman in that situation who... Probably feels a little powerless because it's his cult.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
This cult pops up in my neighborhood? I don't know. I don't want to be a nimby here, but like –
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
No, but he's putting on a show.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Did he do it as Nature Boy?
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
But do you expect him to do all the work for you?
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Own it. You have managed somehow to make a lot of wild shit fly.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Belize, is that even Costa Rica?
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
This guy can't settle. No, no.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
His whole life.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
It's just a vehicle for his own desires, his own instincts that he doesn't want to work on or improve from. It's a place where he can do whatever the fuck he wants.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
He cracked that up. Yeah. Yeah.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
It's called compromise. I don't know.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
That is an unheard of development. That is.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
He's doing a bad thing.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Again, that is quite a story.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Yeah, it's a little complicated.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
And it's also complicated by the fact that, you know, he has to be believed, which I think there's no reason not to believe the story of his childhood. It's incredibly traumatic, and you can see the through lines. Yep. Of how he got from point A to point B here and his aggression and constantly being moved around and abused and then – but that's no excuse.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
To behave this way.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
But he also. Yes. One hundred percent. What I'm about to say does not. It's not a counter countering that. But to your own point, he's pretty lazy. He's pretty sloppy and lazy about how he's going about this, not preparing, you know, and really not even trying to keep up the facade of there being anything too intellectual or spiritual.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
It's just about Instagram, posting the videos, making money, chasing the clout. Oh, it's subs are dying down, going down. You got to add fights, fabricate it like the reality TV show. Um, And it's wild because it's possible to do it.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Well, they're more visible, too. Yeah, they're more visible. The upside is that what they're doing is on display. It's hard to obfuscate what's happening. Right.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Yeah, the good with the bad. Good with the bad. It's so easy to get swooped up in movements that you don't intend to. The pipeline. There's much to be said about this. We know.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
That's why this show exists.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
I'm feeling great. Learned a lot about Nature Boy and cults.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Form my own cult. Actually, I already have.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Oh, that sounds like a lot of work. Can it just be based out of California?
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
I mean, I feel like it's fine.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
I'm just going to come to your compound and start it there. No, my cult already exists. It's called Some More News. You can support our Patreon.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
That's a real big benefit. You know, and I'll just move there with you. We don't even have to start a cult. Sounds good. See you there.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Honestly, great. I reheated my tea.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Cuddled my dog.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
That is wild.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Feel refreshed.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Waiting with bated breath to hear more about Nature Boy.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
It's wild because I did see that a version of that sentiment today on Twitter. I will always.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
But it's interesting that I just saw that an hour ago and I, I went, huh. And I was really trying to get to the bottom of what this guy was even saying. But it, it took me aback. So interesting. There's, there's like what we're talking about right now.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
No, it doesn't sound in alignment.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
Oh, my goodness. Young Pharaoh. He's been on a journey.
Behind the Bastards
Part Two: The Sordid Story of Nature Boy: The Instagram Cult Leader Who Hates Toilets
I could not have guessed what the next word out of your mouth would be in that list, by the way.
CreepCast
I Dared My Best Friend To Ruin My Life | Creep Cast
I do. Until you burned David's house down. Now I'm not sure who the psychopath really is.
CreepCast
I Dared My Best Friend To Ruin My Life | Creep Cast
What's the plan? Spray thief on the front of the house.
CreepCast
I Dared My Best Friend To Ruin My Life | Creep Cast
He just says red cabbage, red cabbage.
CreepCast
I Dared My Best Friend To Ruin My Life | Creep Cast
Does this smell bad to you? Smells like cereal to me. Huh. Smells bad to me.
CreepCast
I Dared My Best Friend To Ruin My Life | Creep Cast
When was this fight? About a year ago. And you think he's just now stealing your identity and breaking into your home?
CreepCast
I Dared My Best Friend To Ruin My Life | Creep Cast
He doesn't believe us. We'll find evidence.
CreepCast
I Dared My Best Friend To Ruin My Life | Creep Cast
Xander, I have to be honest. This all sounds very loose.
CreepCast
I Dared My Best Friend To Ruin My Life | Creep Cast
There's nothing that can be done about the identity theft until the FTC has finished their investigation.
CreepCast
I Dared My Best Friend To Ruin My Life | Creep Cast
They broke open your other roommate's door. All his belongings are there, but your roommate isn't. Do you know where he is? No, I never talked to him much. Were you close to Isaac? No, but it's still... I know. You think David is behind this too? Probably.
CreepCast
I Dared My Best Friend To Ruin My Life | Creep Cast
I will ruin you, David King. So fucking badass.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
I think so. I feel like I could speak to the fact that when working in the hospital or outpatient or on the supposed front lines of patient care, there's typically a eight to 15 year practice gap that we're all working under where the best practices or new research comes out. And it takes the average outpatient center or hospital eight to 15 years to be implementing that new cutting edge care.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
And for whatever reason, there are a lot of obstacles in the way of that. And I really want to be working on that. the cutting edge of the care. I want to be on the front end of finding out the best solutions and finding a faster way to get that information to providers, to get those practices to touch patients even faster.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
Because with how much our population is aging, how much we're all changing, We just, we don't have that time to waste and our healthcare system can't afford for providers to be practicing with 8 to 15 year old information when they could be making amazing advances in their patient's care today if they had access to the right information and the right protocols for care.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
It really has been depending on the job listing and the job description posted, because I feel like product and project manager can be so many different things at so many different companies. And I don't want ones, I clearly am not qualified for ones that need Python or SQL or like knowing programming languages. I'm clearly not going to be the right fit for that. So
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
I'm not going to waste my time, but I'm looking for ones that are specifically like have healthcare experience or tech experience or management experience or ones that are looking for people manager experience and tech experience or healthcare experience. Ones that have from the get-go broader experience. requirements that I could fit into, but I might not be their typical candidate.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
But it's been tough because every title can mean so many different things at different companies. So I'd love additional suggestions.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
Of course. So my name is Katie and I'm a nurse and I've been working as a nurse manager for the past nine years or so. And I've mostly worked in healthcare, obviously, because it's the most easy profession and field to get into with a background as a nurse. But I'd really love to move into more of a tech role in like healthcare tech companies.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
Yes, I have a few that I have reached out to and then a few where I know people. So that's helpful. And I feel like I could really start brainstorming and come up with a lot more than I would expect.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
I think that sounds great. I feel like I could create a very big list of a wide ranging variety of problems. So I feel like that'd be a great list to start making.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
I feel like there's such a boom right now with people really trying to creatively solve problems in wonderful ways with telehealth or with new and unique offerings. And I really love to move into more like project or product management with tech roles or in the tech field, and I'm just not totally sure how to do that.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
Not right now. Okay.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
So right now I've been talking to people that I know that are working in companies that I am interested in. So that fortunately or unfortunately has been the only way that I think I've been securing these interviews. So I've gotten to three different hiring managers. I feel like it's gone pretty well, but in a really nice way, I feel like I'm getting better and better with each interview.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
So while you're right, it has been demoralizing. It has been a total blow to the self-esteem to get that sad email, like three weeks later, that's like, oh, we went with someone with a more relevant background, like such a blow. But at the same time, I feel like
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
Each time I'm interviewing, I'm doing better at translating what experience I have that is relevant to them and why they need me on their team. And eventually, you know, it only takes one new job to be the right new job. And I feel like it's still out there, but.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
So for some additional background, I have interviewed with a couple of companies in the city that I live in, and I make it to the hiring manager round, and I hear them saying in the interviews, Like, oh, I can see that your experience leading a team is relevant to this, but you don't have experience using this technology or you don't have experience actually leading a product team.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
Mm-hmm.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
Yes. The vague feedback I've received that they went with candidates for additional interviews that have a more relevant background specifically. And I've been thinking there is a health tech startup incubator in my city with a large variety of health tech startups that are in various phases of their growth.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
Whether they're brand new and they just created their logo or they have clients, they have backing and they might be on a further round of funding. I could create some sort of pitch and reach out to people that I see on LinkedIn and see if they need extra help or if it's a way that I can practice my skills.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
I can also look through my LinkedIn connections, especially looking for those people with similar roles. And I feel like everybody loves talking about how they got to where they are and just seeing what different routes people took to get the positions that they had.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
But you have experience with this kind of team or you have a different experience with project management, but no formal title. And I guess I would love some... some guidance on the right way forward.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
Cause I have a master's, I have the experience on my resume that I have and like how to present that in the best light so that people are willing to take a chance on me since I'm a more untraditional candidate frequently applying to these jobs.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
No, I think this does feel very invigorating and really exciting. And I also think it's such a good time of the year to get reinvigorated for looking for a job. Like everyone's budgets are brand new. People are posting lots more.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
I feel like people have awakened after the holidays and I feel like it's a really good time to be reaching out to people, making connections, asking questions and seeing where that leads.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
Great. Thank you, Claire.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
I'm not sure. I think that a lot of times people who work in like health tech companies, even though they're further away from the actual healthcare delivery, really like to hear your why. And so I've been applying at a couple of places that are more oncology or cancer care focused. And I feel like I have a really strong why there as well.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
My dad passed away from a short battle with cancer four years ago. And that has been really motivating to me to work somewhere really innovative and that's working to do cutting edge work with caring for people with cancer. And I feel like that's a really strong argument. I'm not just a nurse who is looking for a change. I've got a good story, but that's not always applicable.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
So that's not always deployed.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
Okay.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
Yes, I have spoken with a couple of different project and product managers. I actually am married to a product manager, but he is much more tech focused. So that I've been learning about what he's been doing for the past 10 years, but it's a lot different than the work I would want to be doing.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
And I've talked with a product manager that works for a health insurance company and done a lot of talking with her very recently about what leads people to be successful in that role. And something that she said that I really felt hopeful about was someone who's a clear communicator and able to drive meetings forward is a key skill that they need that her current team lacks.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
And that is something I feel like I have in spades. I am always the person in the meeting going, okay, we've talked about all these things, but what are we doing next? Okay, we're meeting again in two weeks. Who is going to have what piece of this puzzle done by then? What's getting in our way of getting these things moving forward? So that's been really great.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
And then I've also spoken with a long-term project manager in a large manufacturing type company. And She had wonderful things to say about not necessarily needing a certification to be qualified for the position and really using how to think and how to solve problems to your advantage of looking for dependencies, looking for things that
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
are unforeseen problems that a member of your team might miss that you need to make sure get addressed so that the project can move forward. And I've been trying to think of more and more examples in my current work of how to illustrate that when asked in interview questions, what kind of things I can relate from my previous jobs to these new project manager roles.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
I think I have more work to do with my network, hearing more from people specifically in these health tech companies. I think I need to get closer to what they are dealing with on a day-to-day basis to be able to speak to that.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
In my current position that I am currently working in, I was hired as someone who had all of the administrative soft leadership skills that they needed, but was lacking specific experience in my current specialty in healthcare.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
So I had all of the other background was really solid, but I was really new to my current specialty, the physiology, the anatomy, the expectations of care that was very new. And I feel like my newness to it really helped ask some clarifying questions so that we could really better create a great client experience. So the clients coming into our care, they are also not experts in that specialty.
Money Rehab with Nicole Lapin
"I Keep Hearing ‘No’—How Do I Pivot Careers Without Giving Up? Coach Me!" with Claire Wasserman
They have new diagnoses. They're encountering this kind of care provider for the very first time. How do we make sure that they too understand what's expected of them? How do we make sure that they understand what to expect of their providers? And I feel like I helped add a lot of clarity and not just have us work in this echo chamber of everyone who is an expert in the specialty.
Morning Brew Daily
2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
And so I started to interrogate where that was coming from and A, whether it was actually allowing me to do my best work and B, honestly, if it was preventing me from being happier while I was doing that work.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Thank you so much. Happy New Year to you, too.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
And ultimately, I realized that I think the obsession with optimization for many people is just a response to things becoming more untenable and frankly, not trusting yourself to handle that.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Well, I blew up my calendar. So I got rid of all the little color-coded time blocks. And I started thinking about my time a little bit more holistically. So I would, at the beginning of a week, be like, these are the things that need to get done this week in order for me to meet the deadlines that I have to meet.
Morning Brew Daily
2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
At the beginning of every day, I'm not sitting down anymore and going, okay, these are the 15 minute increments and I'm going to plan all the micromanage all this ahead of time. I tried to give myself a little bit more latitude around when I get things done, how I get things done. And I started to think about it, this mental shift between optimizing my time and protecting it.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
And so if I'm thinking about my time as something I have to optimize, I'm trying to cram in as much as possible. If instead I'm thinking about it as something that I should protect, now I'm empowered to say no to things that I don't think are good opportunities to tell someone, hey, I actually can't get that done this week. Let's talk about it next week.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
And it's been a nice mental shift for allowing me to slow down a little bit.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Yeah. I think because we tend to have a lot of recency bias about what political and economic forces are driving the ship right now. So a lot of the analysis that I was reading, it was comparing, say, the last four years to Trump's first term and really like the beginning of the history of. And a lot of these analyses seem to start around the time of the pandemic.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
I think because the pandemic was such a paradigm shifting event and there was a lot of change that followed, also because inflation had become such a huge headline. But I think as I zoomed out and I really thought about, OK, why are we in this position right now? Why did right wing economic populism have such a moment in this last election?
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
It occurred to me that I think the real story of the economy that we're in right now did not start four years ago. It started 40 years ago. That's when we started cutting corporate tax rates and tax rates for the highest earners for the first time and started associating those tax changes with this will bring growth, this will bring prosperity.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
So I just had my friend Ramit Sethi on the show. So his perspective is sort of fresh in my mind right now. But something that I think he really gets right in his personal finance philosophy is this idea that you are not going to, quote unquote, become responsible with money unless you have a vision for the role that you want money to serve in your life.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
That's when stock buyback regulations were loosened pretty substantially. So before 1981, I think it was something like less than 5% of all corporate profits were used for stock buybacks. Now it's something like half. Obviously, that's going to lead to an increase in financialization. And finally, the death knell, I think, was probably Citizens United.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
So when corporations were basically granted personhood in the United States such that corporate interests really fully like enveloped our political system. So if you're just talking about this election at the rhetorical level. And you are considering those 40 years of changes and how they have led us to where we are now.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
And, you know, these appeals are being made to this deep seated sense that I think a lot of Americans feel that something has gone very, very wrong. I think if you have one candidate who seems to represent the status quo insofar as they're coming from the incumbent administration, and then you have another who is promising to blow it all up and saying literally, I'll fix it.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
I don't think we should be surprised that the all fix it rhetoric was effective. And so going over those 40 years, pulling it all together, trying to weave those threads together, connecting those dots. It was actually very cathartic for me, honestly. So I'm really happy that it resonated with so many people.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Oh, man. Yeah. Well... Okay, at the most microcosmic level, I think we perceive and experience a lot of policy failings as personal finance problems. Like, okay, I can't afford to buy a house. My car payment is too expensive. Childcare is too expensive. These are personal finance problems, yes, but with perhaps different housing, with maybe the median home not costing $400,000.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Maybe you don't need a car anymore if you have public transit options. Maybe you don't need $2,000 a month for daycare if we treated childcare like infrastructure. So... I would say before we even talk about debt, we have to talk about the fact that a lot of the most intractable personal finance problems that feel the hardest to solve are often downstream of policy failure.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
But if you make a society very challenging to thrive in, you have to give people some way to pay for the things that they need, right? And what better way to structure a system like that than making the way that they pay for these things that they need done so with for-profit financing. And I think it sounds kind of conspiratorial, but it's really not.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
I think the availability of credit is why we haven't reached a tipping point sooner. But that's why I believe personal finance education becomes ultimately very critical because...
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
If you're aware of these conditions and you understand that the system is sort of set up to guide you toward a lot of debt, a hyper competitive individualist mindset, but you can see that there is a better way, I think it can shift the decisions that you make. It might also allow you to have a more accurate perception of what you have control over and what you don't have control over.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
So I think you'll interact with, for example, convenience, discretionary consumer purchases differently. If you can see the connection between, as Gia Tolentino writes, the relief that that experience is going to bring you and the entirely connected squeeze that you are experiencing. And I think that that context matters. So for me,
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
having that realistic understanding of the system that I exist within allows me to make better financial decisions in the short term. And that applies to the way that I interact with debt. Um, I don't want to engage in rampant consumerism anymore. I, I, if I can see that like, okay, corporate interests have a really outsized influence on like the policies that are affecting me.
Morning Brew Daily
2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Well, I don't really want to make those corporations all that richer. I don't want to funnel my money back to them. I don't want to see my fellow worker as my competition, um, Yeah. So I think ultimately our current system does make personal finance education necessary to thrive, particularly that around the way we engage with debt.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Like there has to be a more alluring end state that you are working toward than just, oh, I'm going to budget because like adults budget, right? So with that being said, if you are looking to do a little bit of a checkup for 2025, whether you are someone who has this stuff locked and loaded, or you've maybe never sat down and looked at your finances before, I would say pick two different
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
My dream would be that we live in a world where you do not need to have a sophisticated understanding of the financial system to live a life of dignity. But that's not yet the world that we live in.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
I think my book is perfect for anyone who wants to have a really robust personal finance read that is also grounded in a lot of this historical, political, and cultural context. On The Money With Katie Show, our mission is to be that intersection of where your economic reality, where your political and cultural reality meets those personal financial choices.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
And that means that we're talking about not just the choices that we have, but why those are the choices that you have. What political norms or cultural norms are the reason that those are your choices? So I think that that is something that I really tried to bring into this book and really in this book basically is like, this is my philosophy that is inclusive of all of these things.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
I think I got frustrated with personal finance advice that didn't seem to acknowledge the elephant in the room. Like in my mind, it feels really weird to discuss something like negotiating tips for women without really understanding the state of gender pay gap data, the state of US childcare policy or lack thereof.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
It's really hard to talk about consumption habits and budgeting without talking about cultural norms around like your physical presentation. If you're a woman in the workplace, what's actually expected of you? and your appearance in order to treat you with dignity and respect. Those were the themes that I wanted to explore while also being like, okay, all of these things are true.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
And here's where the rubber meets the road today. So here's how you should think about your long-term financial planning so that you can be set up for success.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
June 10th, 2025.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
It's coming down the pipe.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Well, thanks. Fortunately, a lot of the work that I do is all interconnected. So even though these ideas are appearing in different formats or being explored in different ways, a lot of it is connected. So a lot of the work influences one another, which is really helpful. Ultimately, though, I think in retrospect, I probably bit off more than I could chew.
Morning Brew Daily
2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
I'm sure you both are familiar with that feeling. And in the future, I probably would take a more... I'm resisting the urge to say the word optimized because that's not what I'm trying to do anymore. A more protective approach to what I agree to do. But the good news is that the book is done. So that's a problem for future me to figure out.
Morning Brew Daily
2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Oh, man. Yeah. This just turned into a horror podcast, by the way. Seriously. It's like shifting to true crime. OK. Yeah. Last night, actually, I was next door with my neighbors here and they bought their home in 20. 2019, I think, here in this neighborhood that we live in in California. And somehow we got on the subject of mortgage payoff.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
weekends to do these exercises. Don't try to do it all at the same time. Don't try to do it all at the same day. But in your first sit down with yourself, you are not going to look at your numbers at all, okay? You're just going to spend some time answering the question, where can money improve my life? Where, if I had the money, would my life really genuinely get better?
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
And they were like, yeah, like they pulled out their sheet and they showed me, you know, this is our mortgage and this is our interest rate. Should we pay it off early? It was like 2.6%. I was like, under no circumstances should you be trying to pay that off faster. But
Morning Brew Daily
2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
their mortgage for their home next door that's very similar to ours is about half as much as the rent that we pay to live in our house. So it's a crazy world out there. We are actually moving from California to Denver, Colorado in the spring. And so that's why we're house hunting and looking for a new place to live. And we were very open to, okay, well, we'll rent or we'll buy.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
We're not really married to either path. We're just going to let the numbers kind of guide this decision. as well as the inventory that's available in the rental market and the market for buyers. And honestly, the long and short of it is we're probably going to keep renting because I literally just cannot make the numbers work.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
The location that we're looking in still has median prices that are so far beyond reasonable. Two bed, two bath, 1.1 million needs work, right? And it just... Unless we're going to be in the house for 10, 15 years... I just don't feel super confident yet that it's the right path. So I'm feeling like we're going to keep renting and investing the difference.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Yeah. So I think that the high level... heuristic that can be very helpful here is the price to rent ratio in your zip code. So last year, it was a pretty big headline that I want to say in 70% of US cities, maybe more than 70% of the US, it was net cheaper to rent your home than to own it. Now, these are dynamics that change.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
The buyer's market and the rental market are not, they're generally both trending up, but they're not moving in perfect correlation with one another. So in some periods of history, it's cheaper to own. In some periods, it's cheaper to rent. Right now, generally speaking, it's gonna be cheaper to rent. And so things that you can look for when you are making this decision for yourself is,
Morning Brew Daily
2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
okay, you probably know, generally speaking, what kind of interest rate you can get and what kind of mortgage payment you would have for a home that you would be interested in living in. Then you're considering the unrecoverable costs associated with that decision. So you're talking about closing costs. That's not building any equity. That's just for you to get the keys.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
You're looking at mortgage interest. How much are you going to be paying
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
These loans are amortized, so you're really front-loading that interest, which means if you're not going to be in that house very long, the majority of the payments that you're making are probably going to be not all that different from rent from the perspective of how much equity you're building, your property taxes, your insurance.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
You're probably going to want to set aside about 1% per year the value of the home for maintenance and repairs. And that's not talking renovations. That's like the HVAC system breaks down. So... Once you have a sense for, okay, all in, what is kind of the total cost of ownership that I'm looking at? And what would it cost to rent a similar home or a similar place?
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Then you can really start to get into the weeds of, okay, If I'm fleshing this out over the next, say, 10, 15 years, and I know that my housing costs on the buy side are going to remain relatively fixed because that monthly payment is probably going to be fixed based on the kind of loan you get. The taxes and insurance are going to change, but the bulk of that payment should remain the same.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
You're probably not going to sit there and be like, oh, you know, I'd order more stuff on Amazon. There's probably some specific things that you might have never actually like let yourself really dream about before. So this is an opportunity to dream big for a second. about how you would organize your life if money were not an object and then put some numbers around that.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
But I know rent is going to be rising by, I don't know, you can actually look in your zip code what the historical rents, you know, increases or decreases are. Rents do go down. But if you want to be, you know, really safe and get, okay, I'm going to assume that this is going to go up by about 3% per year. And you can just compare at what point does the rent begin to exceed the price of ownership?
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
And in the meantime, what... is that margin that I could be investing? What is the opportunity cost of that margin? If I could be putting that in the stock market, what is the opportunity cost of that money going to be as well as the opportunity cost of your down payment?
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
You really can't get into a house these days or be competitive in this market unless you have a large down payment in most cases and in most markets. And that's also money that could be earning more for you elsewhere.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
So I think there's like a great New York Times rent versus buy calculator that'll include all of these factors in it and really wrap it up for you and kind of spit out the path that might make the most sense for you that is inclusive of all these different variables. But... I've lived in several different places in the last couple years.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
My husband's in the Air Force, and so we move every two years. And we're finally settling in Colorado now. But the math just really has been super warped, really, since we've begun looking. And that would have been, what, 2020, 2021? Yeah, 2021. So... I would just encourage people, like if you feel like it's impossible to buy a home, that's because it kind of is.
Morning Brew Daily
2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
And like, there's no shame in renting. The only thing that I would say is if you're going to rent instead of buying, you should be looking at, okay, what should I be investing then to kind of make up that difference? If I'm not going to be, even if there's just a tiny sliver of equity that I would be building in those monthly payments, I do want to make sure I'm building equity in some asset.
Morning Brew Daily
2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
And that's where public markets can be a really good alternative.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Proximity to Lake Tahoe, I think.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
It's such a stunning place. We live like an hour and a half away. We honestly should go more than we do. But I think we live in like the Sacramento area and Lake Tahoe is beautiful. Visiting San Francisco is always really fun. So we have a lot of nearby kind of amazing nature here.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Yeah, famously laughing in Amazing Nature.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
I think my resolution this year is to not have any resolutions, honestly, Neil. That's fine.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Yeah. I kind of feel like I always put a lot of pressure on myself this time of year to become a completely different person. And I'm like, you know what? Maybe I'm okay. Maybe I'm fine the way I am.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
So I had a friend do this and she was like, man, if money wasn't an object, like I would get my hair washed and blow dried professionally every week. I would go into the salon and get it done so I didn't have to wash it all week. That would be amazing. So we start penciling it out and I'm like, This is like a couple hundred bucks a month.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Like we're not talking about a, you know, a billionaire level change here. It wasn't really insurmountable. But the point is you want to get a holistic vision for like, where would I live? How would I eat? How would I travel? I'm going to put some ballpark numbers around the type of life that I really want to live. And then the next time you sit down with that vision in mind.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Now you're sitting down with your data. So that's your spending data from the previous year. That's how much you earned. That's how much you managed to contribute to your savings and investments. And you're basically going to go, okay, I have this vision. Is there anything here that I could actually have right now if I just made slightly different spending decisions? Or...
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Okay, in order to save, say, 20% of my income, in order to make these really serious steps toward this vision for my life, I actually have a new salary target. I'm probably not going to spend a whole lot of time worrying about if I'm going out to eat once a week or twice a week. I actually need to focus a lot of the energy on I'm negotiating for a new job, I'm switching companies.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
But the point is you're just going to start connecting the dots between where you are, where you want to be, and it can actually be really, really fun. And the budgeting part, the sitting down and like making the plan part, that comes last because that's just the roadmap to how you're going to make these things happen. And you know what? It might take a while.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
When I sat down years ago and decided, hey, I actually I want to have more money. Like I am tired of feeling strapped all of the time. I don't think I should be, but I think I want to have more money. It probably took about 18 months. for the changes to really kick in.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
But you're gonna set your vision, you'll sit down, you're gonna get intimate with your own numbers, and then you're going to start putting pen to paper and making the plan.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
When I first became interested in personal finance, the most challenging thing was understanding how my current behavior was gonna translate to the future. Like I will never forget my first call with a financial advisor because I asked, Okay, how much should I be trying to save? Like, I just got this job. I'm trying to sign a lease. Can I afford this apartment? Like, I had no idea.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
I didn't have any grasp on what was reasonable or what was too much. And since they were actually insurance salespeople, neither did they, honestly. But I think your personal financial tool, so whether you are using a wealth planner or you are using something else, should be able to do two things for you. Number one, it should give you some scaffolding around which you can build your budget.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
It should help you determine some high-level guidelines for what you, with your income, with your tax liability, with your goals, what you should be spending on everything from housing to travel so that you can then plan accordingly. So you can have a benchmark number to say, I'm actually going to dial that up because it's really important to me.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Or, hey, that's great to know I could spend 10% on my transportation, but I don't need that. I live in New York City. for that. Secondly, it should be able to help you understand what your path forward looks like if you continue to earn, spend, and invest in the way that you have been.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
So that was the biggest thing that I felt was missing for most of the tools that I had tried and what I was trying to solve for when I made the first 12th planner a I didn't need to know how much I was spending on shampoo every month. That didn't matter. I needed to know how much longer am I going to have to work for income based on how I'm spending, how I'm investing right now.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
So that's what we built. And that's what we have continued to iterate on every year.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
Yeah, I still have so much respect for the FIRE movement. I would still consider myself on that path, although without the extreme frugality element. There was a period of time where when I was working in an office, I would... figure out, I kind of became friends with one of the big EAs in the office. And I got her to share the calendar with me that showed where the lunch meetings would be.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
And then I would bring Tupperware to work and like go into the lunch meeting after it was over and like take some of the leftover food. So I didn't have to buy groceries. So there was a, there was a period where I was quite extreme about it. I think I have a more healthy relationship with money now, but fire is in many ways an approach to challenging the status quo.
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It says you can retire as soon as you have enough investments such that you can live off 4% of the balance every year. And so what I would encourage someone who might be curious about that to do is to figure out how much your life costs. Very simple question. What do I spend in a year? How much does it cost to be me? And another way to ask that, the flip side of that is what's my savings rate?
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So what percentage of my take-home pay am I managing to invest for the future? Both of these questions will allow you to understand what your timeline to total financial freedom is. Now, total financial freedom means like you no longer have to work for income. That's the end state that is probably many years away.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
But if you start organizing your life in this way, you are going to achieve some level of financial freedom really, really quickly. So for example, if your savings rate is 10%, you can assume that it means it's going to take you roughly 41 years to become financially independent. If you bump that up to just 15%, you now shave seven years off that timeline.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
You're looking at something closer to 34 years to financial independence as opposed to 41. So you get familiar with these numbers, you start to see, okay, the jump from 10 to 15% That's really not that meaningful on a monthly basis. But if it's going to make my working timeline seven years shorter, that is really meaningful.
Morning Brew Daily
2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
If you can get up to 20%, 25%, you're talking between 26 and 30 years now. So it's all proportional. These formulas, it doesn't matter what you earn. It just takes what percentage of your income you're contributing to long-term investments with an appropriate risk profile for that timeline. So people that are really hardcore FIRE are saving 50%. 50, 60, 70 percent of their income.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
And they're focusing on condensing their expenses as much as possible. So it's a movement that's very compatible with like the minimalist movement, for example.
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2025 Investing, Renting vs Buying, $$$ Planning with ‘Money with Katie’
My assumption, based on just kind of vibe checking it, is that there's still a pretty devoted micro, you know, there's always going to be that microcosm of people who is very attracted to this. But I do think that with the shift to work from home and telework, I think that there's been a bit of a...
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I don't want to say existential crisis, but like, if you're not having to go into an office every day, that is probably going to lower the pressure that you feel. It certainly lowered it for me.
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The difference between being physically in an office from eight to five every single day, all week long, that is a different mindset than someone who could, okay, well, I can actually continue to earn money from my house, or maybe I'm going to work part-time. There's a little bit more flexibility now, which I think has maybe taken the, um,
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the urgency out of it for some people, which I think ultimately is healthy.
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Yeah. So first of all, I would say any money that you are hoping to keep saved and growing for the long term shouldn't be in cash anyway. So your cash accounts, whether high yield or not, should really be for short term savings, money you intend to spend within the next couple of years. So can you seek more yield in money market funds or bonds? Could you do that? Sure.
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I personally don't really stress myself out too much over savings account rates because in the grand scheme of things, your savings account yield matters so much less than your bigger picture investment questions like, okay, how much are you contributing to your long-term investments every single month? What is your asset allocation? Are you appropriately diversified?
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Those are the things that I think really move the needle in the long run. So I always kind of tell people like, hey, don't overthink things like savings account yields. Ideally, your short-term savings are on the smaller side when compared to the money that you are saving and investing for the long term. I think probably the only...
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The only use case where I would say that's different is if you are saving and investing for something like house down payment, where you are probably going to be accumulating quite a lot of money in this account. But again, in the grand scheme of things, if you're only going to be saving for, we'll say, fewer than five years, that's not really a meaningful amount of time for interest or
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your returns to compound anyway. So is it maybe not perfectly ideal or perfectly optimized? Sure, but it's not gonna be, it's not gonna be a game changing change.
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Yeah. Well, I am quite type A, but to put it simply, I had gone down this rabbit hole learning about how the historical introduction of industrial capitalism evolved fundamentally changed human beings' relationship to their time. And it goes something like this.
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When we shifted as a society from like craftsmen and people that were working for themselves or, you know, working in this way that they were like, it was like artisanal, right? You're picturing someone like a cobbler with shoes. You're shifting from that to like wage-based factory work. We began to be paid by the hour.
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Now, this is different from someone who, again, used to make a living by like working for themselves, like a craftsman or something. If you are being paid by the hour, that means you are clocking in, you are clocking out. Suddenly the hour becomes a commodity.
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And this was a big a big thing kind of in the dawn of industrial capitalism that like workers wouldn't be allowed to have their own clocks in the factory because the person that controlled the time was kind of in control of how much was getting done.
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And so there would be, I read stories about like factory people that control the factory floor, kind of like, you know, setting back the clock a little bit to make them stay a little bit longer. Anyway, your time becomes something that someone else can pay for. And so by extension, it becomes something that can be wasted or something that can be optimized.
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And so before industrial capitalism, this whole concept of time would have felt pretty foreign to people. Time was not thought of as something that could be quote unquote wasted or bought by another individual. It was just something that passed.
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And that got me thinking about the way in which I had sort of internalized this idea of my own time and how it was contributing to this sense of just constantly being in a rush, constantly being behind, constantly being busy, this like... sense of urgency that no matter what, I always felt like I was falling behind. And I kind of saw this connection between these two ideas.
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Money with Katie Chats Financial Freedom & New Book "Rich Girl Nation"
I can study it now. Who cares? You can always make that change.
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Money with Katie Chats Financial Freedom & New Book "Rich Girl Nation"
So I spend all of chapter three digging into the 4% rule and understanding how your spending and your income taken together can essentially tell you how long it's going to take for you to reach financial freedom. So why is this important? Because you're probably going to get some outrageous number. It's probably going to be over a million dollars, right? It's important for a few reasons.
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Number one, it really connects the dots between how your lifestyle choices and spending and expenses impact the top of the mountain where you're trying to go. And so what you'll notice if you play around with this is that as you spend less, that number goes down. If you can live on less, if you can really live beneath your means and invest more of your income, you will get there infinitely faster.
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So a really nice example of this and something that I talk about a lot in the book, I have this chart where I show you, depending on the percentage of your income that you're saving, here's how long it will take you to go from zero Zero dollars invested to total financial freedom. Now I really can see what's on the other side of that.
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Now it's not just, well, if I don't spend this money, I save it. And then who knows what, who cares? It's, well, if I can save and invest this money, that directly means fewer years of working. And oh, by the way, I can see exactly how many fewer years.
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So for me personally, that information was very impactful and it was what enabled me to transition from working in sort of a corporate nine to five setting to entrepreneurship and some variations of self-employment and getting to take more risks with my career because I wasn't dependent on a paycheck.
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Well, I think my... My philosophy and my thinking more generally evolved a lot over the two years in ways big and small. But there was a chapter that we ended up having to cut that I had spent a lot of time writing. And it's a topic that I feel very strongly about, which is the decision to rent or buy your home.
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It's a topic that I feel strongly about because I think it's one of the most misunderstood decisions in life and finance, particularly in the United States. And I think a lot of people go into it with the wrong information. So there is a cut chapter that we were not able to keep in the book about rent versus buy and how this decision actually is different mathematically for women.
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Some of the data around it's very interesting. So we ended up using that as, it's like a free bonus. If you pre-order the book, we will send you that chapter. So you could read, you could read a chapter today that should have been in the book and didn't make it in.
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So I didn't use AI to help with the writing of the book, but one of the elements of writing a nonfiction book that I really underestimated the time that it takes is going back and creating all of your end notes and citations. So there is a lot of data in the book and most of the data comes from reports that in many cases are very long.
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And so I had read them enough as I was writing to be like, I think this says what I think it says. I think this supports my point. But as we all know, data can be manipulated to prove pretty much any point you want. So when I went back through and I had to actually build out all the end notes and kind of beef that up a little bit, I wanted to kind of double check every single one.
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I wanted to make sure that I had not misinterpreted anything. And when it took me six hours to do half of one chapter, I was like... okay, I am not going to be able to finish this in time. So part of what I ended up using AI for at the very, very end was helping me parse like, okay, here's the source. Here's what I think it says. Does it really say this? Is there anything that I'm missing here?
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So I kind of would go back and forth and make sure that if there is some 60 page report that I'm taking like one little factoid out of the middle of it, help me make sure I'm understanding this correctly and that I'm not misrepresenting what this data really says. So that was toward the tail end, but yes, it was very helpful. It probably saved me 60 hours of work.
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You're trusting me. Yeah, I'm trusting you.
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Money with Katie Chats Financial Freedom & New Book "Rich Girl Nation"
Well, I was a little bit nervous about it because there is a lull when you publish a book. So it takes it does take years in many cases. I guess some people go faster, but I was also running money with Katie and doing other things on the side. So I this is just the kind of one thing that I was working on for the years that I was writing it.
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You sell the proposal and then you spend 18 months writing and editing it. You turn in the manuscript and then it takes about six months from when you turn in the manuscript to the book actually coming out. So there's a bit of a lull. And I had been so immersed in it for the entire time that I was writing it.
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And you're so close to the material that if you've ever even written like a term paper or an article that you spend a lot of time on, sometimes you almost start to feel like, anymore. I remember turning in the manuscript and being like, I hate it. So I was so sick of it. So then those six months pass, I go to record the audio book.
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And it was the first time that I was reading it again, since I had handed it in. And I was really relieved reading it because I was like, Oh, thank God, this is good. Like now that I've had distance from it, I actually felt really good about it. I was like, No, this is a really good, really rigorous book. And I think a lot of people are going to get a lot of value from it.
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All right. Thank you for saying that.
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Money with Katie Chats Financial Freedom & New Book "Rich Girl Nation"
Gloria Steinem.
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He's not a rich girl. He's a rich guy. Very rich. I do. I do. I do like Warren Buffett, but yeah, Gloria Steinem. There was a, the inspiration for the cover was like an old photo of Gloria Steinem from the seventies at a March. I am very inspired both politically and aesthetically by Gloria the 1970s era women's movement. I think it was just a very cool time in history. And so, yeah, she's the OG.
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She's the coolest.
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Money with Katie Chats Financial Freedom & New Book "Rich Girl Nation"
Thank you so much for having me. It was, as always, a pleasure.
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Money with Katie Chats Financial Freedom & New Book "Rich Girl Nation"
Thank you. I'm so happy to be here.
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Money with Katie Chats Financial Freedom & New Book "Rich Girl Nation"
Yeah, isn't that nice? Obviously, I'm really good at like forgive and forget. So I started writing about money informally online in 2018 after I had this very revelatory experience at a book tour for a book called Money Diaries. And I started writing about money on my personal blog.
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So I had maintained this blog in college, and I just kind of posted missives on it to I don't know, like the 15 or 20 people that bothered to check in half of whom were probably related to me. And
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I became so enthralled with money and personal finance that like kind of overnight, I stopped writing about personal things and started publishing content about money and my relationship to money and all the exciting things I was learning and why I thought it was important that everyone should be talking about this. And.
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From the very beginning, there was somebody who would comment on the blog posts anonymously and kind of badger me and be like, oh, you know, you shouldn't be doing this.
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Oh, you know, I kind of gathered from the way that they were talking or the things that they were saying that like they had a series 65 and a series this and a series that and basically saying like, you're not qualified to have public facing opinions about personal finance. You need to stay in your lane.
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And so it just felt very fitting and very full circle because I don't think this guy has ever written a book about money. And now I have. So I thought, you know what? Why not? Why not dedicate it to him?
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Totally. Well, at a high level, it is true that personal finance and investment best practices will be the same for everyone. But the majority of personal finance books have been written by men, which means that they have been shaped in subtle and overt ways by men's experiences, men's preferences, and men's priorities.
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And the reality is that women statistically face different financial challenges than men do. So first of all, you have an entire industry, beauty and personal care, this is what I cover in chapter one, that almost exclusively markets its products to women. Now, the average woman who spends money on her appearance as of 2017 was spending around $300 per month on beauty and personal care.
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Over a 40-year career, if you had invested that money instead, getting average market returns, we're talking simple index fund, nothing fancy, You're talking about around a million dollars in opportunity cost. So we're not just talking about costs at the margins. These are retirement supporting amounts. Then you have to consider the fact that women now negotiate just as often as men do.
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There is no longer a negotiation gap, which was kind of a popular talking point in the early 2010s. But they are still 15% less likely to get a raise when they do. And part of the reason that this happens is because the advice to be aggressive, the advice to demand your worth, that doesn't work for women the same way it works for men.
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Because women who pursue what we perceive to be masculine goods or who we perceive to be behaving in masculine ways... they are more likely to face pushback. Now, the same is true, by the way, for men who pursue flexibility or behave in more feminine ways.
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So basically, if you're behaving in a gender-incongruent fashion, you are more likely to be penalized in the workplace for that, but it just so happens that that penalty for women means fewer material resources. So sometimes this manifests in what we come to think of as the gender wage gap. Women do earn around 15% less on average as an aggregate group.
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This is a gap that widens as women progress in their careers. It's actually the largest for women in their 50s and late 40s. And I talk about this in the book as a function of kind of the caregiving and unpaid labor gap. It's the opposite side really of what's happening at home. So we have to be aware of that when we're planning for our financial futures.
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And then finally, you have the simple reality that women live around six and a half percent longer on average than men do. So statistically speaking, women are more likely to be the ones who will bear the brunt of poor long-term financial planning. So their portfolios need to last longer. They need to invest more aggressively. And they also need to know how to manage money alone.
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More than 80% of widows are women. So even women who never get divorced are going to have to know how to do this. So... You look at all these factors, right? You expand that over an entire lifetime. And we can see that these disparities are compounding. Women retire with about 57% as much money as men do.
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So could a man pick up this book and get really rigorous tactical personal financial information out of it? Absolutely. But I wanted to tailor a book toward the statistical realities that women specifically face. So that's what I did.
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Okay, so the hot girl hamster wheel is how I describe the litany of recurring rotating expenses that are necessary to uphold what I will jokingly call the capital A, capital F, acceptable femininity. So I call it a hamster wheel because the nature of these purchases are such that you cannot just do them once.
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Like each dollar that you spend functions like a commitment to spend more money in the future. So the particularly insidious thing about a lot of beauty treatments and personal care treatments is that they will actually leave you quote unquote worse off than you were before. So like any woman listening to this, who's ever gotten acrylic nails knows what I'm talking about.
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They look good for like two weeks. And then when you finally either like yank them off or soak them off, your natural nails underneath are gonna be brittle and discolored. And so you kind of get into this cycle where you have to keep spending. women are taught from a young age to value the social capital of beauty kind of above everything else.
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This is a very insidious socialization that all women experience. It's like the way you look is the most important thing about you. And you probably receive signals every time you leave your home that this is the case. But the problem with this is that investing in beauty is kind of an inherently losing proposition for reasons that are probably obvious. It's an inherently depreciating asset.
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As you get older, it will take more and more cash flow to serve that master. That is not a good ROI. And obviously the counter to that is investing in real capital because if that's invested wisely, it's going to grow. It's going to get better with time. So in chapter one, I really tease apart some of these forces and talk about the process that someone can take to, in a very curious and
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exploratory way, figure out how much of your take-home pay you're spending on these things, and then really reassess your relationship with them and figure out where you are getting a worthwhile return on investment and where you are maybe upholding systems that are not good for you or anyone else.
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So less than 2% of the world's population has naturally blonde hair. But around one-third of women in the West will bleach their way there. And to your point, roughly half of CEOs of S&P 500 companies, women CEOs, have blonde hair. Anyone who has ever bleached their hair, and Toby, I'm looking at you, babe. I know you know this struggle.
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Knows. that this is a very impractical aesthetic choice. It is extremely time and capital intensive to have salon quality blonde hair. It requires a lot of upkeep. I had friends in college who dyed their hair blonde who were in a salon every seven weeks getting their roots touched up for hundreds of dollars.
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So when you get highlights, as I have for many years, what you are really signaling, whether you realize it or not, is what you actually possess in absence of blonde hair, which is time and money. Now, this is how all modern beauty standards work. So it's not like blonde hair, the only place that we see this.
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You can think about any popular trend and you can pretty much trace it back to these same factors. But it's a particularly pernicious one just because of how time and capital intensive it is. And so I find it to be quite an interesting example. And I made it kind of a focus in that chapter for that reason.
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Totally. So let's start soothing first. If that is a feeling that you are experiencing, good news, you are the perfect candidate for getting really serious about your finances.
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I remember the moment where I had that realization where I liked my job, I liked my coworkers, I liked my company, but I felt absolutely trapped in that two-week cycle of working for a paycheck and coming to the end of every cycle and being like, What do I have to show for that? I just spent 80 hours working. They gave me my paycheck. I spent it all. And now I'm back to square one.
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That was an incredibly claustrophobic experience and realization. And what ended up happening is that story. spurred me to go become interested in personal finance because I thought there has to be another way. There has to be another path. I discovered the financial independence, retire early movement through that soul searching. And here we are.
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So I think if you are feeling that way, the good news is that rejiggering your financial life can be a step toward more optionality, more freedom. So you can really take chances with your career and pursue things that you're actually interested in. So I would say, as much as you can, embrace that mantra of life is a video game. And at any moment, you can be like, this isn't what I want to do.
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It's never too late, right? to pick a different path to start over. And that was partially why the dedication to the book is what it is, because I think it was that sort of force saying, you're not a money person, right? You're not qualified to have opinions about this. You shouldn't be talking about budgeting on the internet to just be like, oh, actually, yeah, I didn't study that before.
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So much of my 20s was working like really seasonal, low paying work where I just didn't even have the capacity to like save even remotely. Now that I was like getting a salary, I was feeling really good about saving that.
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When I started my position at the museum about two years ago, I was making like $45,000. And then I, you know, was able to work up and kind of ending. I'm making about $52,000. So I don't spend tons of money. So I'm able to save a little bit, able to treat myself to some things here and there. But, you know, I'm not taking in a bunch.
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I'm 34. I'm about to be 35.
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How To Have a Better Relationship With Money and Maximize Every Dollar
Oh, yeah. I really was working like seasonal jobs, low pay, and I was moving a lot. I kind of blame it on that. Like I wasn't in a position where I could save anything, but I can't help but think like I'm very late to the game in terms of trying to save money, trying to put money into investments, money into retirement. and kind of navigating that whole financial world.
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Most of it's in a high yield savings account. And that's about $9,000 to $10,000, somewhere in between there. And then I have a little bit of money in my regular bank savings because that's just where the direct deposit goes. And then I have just whatever is left in my paychecks goes right into my checking account. And I use that to pay off any credit card debts or things like that.
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No, and that's something that I've really been trying to figure out. What would that emergency fund need to be? I know if I get hurt, I need something, some money for that, but costs out the wazoo probably.
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I am leaving the job that I have right now at the museum, which is in Maine, and I'm moving in with my partner in New Hampshire. We live in a mountain town where there's not a lot of... So a lot of the jobs are within the trades, within the service industry, kind of hospitality, the tourism industry, which is not really what my background is in. My background is in science and informal education.
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And so I've... had to switch gears a little bit in terms of careers. And as I rethink what my career future would look like, I'm taking a job at a plant nursery, but it's an hourly wage of $16 an hour, which is a significant cut than what I was making at the museum. And so my whole, what am I spending money on? How much am I taking in? Essentially all the finances that I've been tracking are
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is completely changing. So while I'm going to be making significant less amount of money, I'm also not going to be driving as much because me and my partner were long distance. And so I was spending a lot on gas just trying to go see him. And then we're going to be sharing a food budget. So all of those finances are definitely going to be different.
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It's just I haven't been living here long enough to gauge what exactly that is. Luckily, he's in a position where if I lost my job, I'm able to rely on him financially for a little bit. But I don't like to put that on someone else. I like to be financially independent as much as I can.
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And so thinking about that emergency fund, I believe I have saved up enough to withstand my new life from what I think it's going to be for the next six months. But it would probably wipe me out.
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And I've definitely started looking into that budget framework. That was not anything that I've ever like heard of or considered because, you know, financial literacy was not necessarily part of my informal, informal education growing up. So this is a lot of like self-discovery recently. So I've been looking more into kind of that framework, you know, and I feel like I could fit within the 1520.
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But in terms of the saving aspect, I think that's where I'm most like, And I'm like, how am I going to handle this in terms of if I'm not bringing in a lot of money, how do I break down money to go into a retirement versus money going into just my savings, cushioning either my emergency fund or anything like that? I don't have a lot left over to actually play with.
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Is it worth putting $25 in my retirement or $50 in my savings?
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I have just under $7,000 in my retirement. I kind of set my limit, like how much I was putting in the retirement when I started at the much lower pay scale. So I was only putting in, I think like 2.5% of my income. And I didn't scale that up as my pay increased. But then I also have just over $1,000 in another retirement account from a job that I had before this museum.
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And I thought I had rolled it over into this retirement account, but I just found out I didn't. So I have these two retirement accounts with, I would say, just under $9,000 combined.
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I guess this is where I have a lot of questions about what is that correct thing to do? Because if I only have roughly $9,000 in an account, my understanding is that I can't contribute to a 403B unless I'm in one of the institutions that I can't just contribute to it on my own. So the plant nursery doesn't have retirement.
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And so if I want to contribute to a retirement account, I would have to open a retirement account.
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No, that one is also a 403B. I was working at a specialized private school for two years. So that's also it. So I have two 403Bs that I thought I had combined. But it turns out it didn't.
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That's definitely how I feel.
NerdWallet's Smart Money Podcast
How To Have a Better Relationship With Money and Maximize Every Dollar
This is definitely a time where I've been reevaluating my career. One direction that I've been, I've kind of always gone back to in times when I'm in between jobs or I'm like in this really low paying seasonal job and I am feeling like I just need to make a change. is nursing. You know, I'm someone who just naturally likes to interact with people and work with people.
NerdWallet's Smart Money Podcast
How To Have a Better Relationship With Money and Maximize Every Dollar
It does mean going back to school, which is its own financial conversation. But then I also kind of weigh it against maybe if I just kind of stick with my career path I've been on and trying to find something remote within that.
NerdWallet's Smart Money Podcast
How To Have a Better Relationship With Money and Maximize Every Dollar
I can just get back to the financial stability that I had prior to the move without having to put in a lot of money, go into debt for schooling, even though in the long run, I can make back that money from nursing pay.
NerdWallet's Smart Money Podcast
How To Have a Better Relationship With Money and Maximize Every Dollar
Don't worry. I overwhelm myself. I think where I'm at right now is I have all this information and I need to figure out how to organize it. And then honestly, I just need to like make decisions and just do things.
NerdWallet's Smart Money Podcast
How To Have a Better Relationship With Money and Maximize Every Dollar
I'm very fortunate that he owns the house that we live in. And so that has been helpful as I transition into this position of a much lower income. He's letting me not pay any of the big expenses right off the bat as I stabilize myself.
NerdWallet's Smart Money Podcast
How To Have a Better Relationship With Money and Maximize Every Dollar
We haven't had that full financial conversation yet, but just based off of how we have over the last four years done things in terms of financially, we tend to split things 50-50 because that's what I feel more comfortable with. Again, as I said, I don't like to be financially dependent. I On someone, I like to be able to kind of hold my own financially.
NerdWallet's Smart Money Podcast
How To Have a Better Relationship With Money and Maximize Every Dollar
And so that makes me comfortable to try to split things as evenly as possible. I guess that's my financial goal for our relationship.
NerdWallet's Smart Money Podcast
How To Have a Better Relationship With Money and Maximize Every Dollar
I'm excited too. And every now and then I'm like, oh yeah, this is kind of fun and exciting. And then the next day I wake up and I'm like, oh my gosh.
NerdWallet's Smart Money Podcast
How To Have a Better Relationship With Money and Maximize Every Dollar
So much to think about.
NerdWallet's Smart Money Podcast
How To Have a Better Relationship With Money and Maximize Every Dollar
Yeah.
NerdWallet's Smart Money Podcast
How To Have a Better Relationship With Money and Maximize Every Dollar
Yes, it's been very helpful. Thank you guys.
NerdWallet's Smart Money Podcast
How To Have a Better Relationship With Money and Maximize Every Dollar
Hi, thank you for having me.
NerdWallet's Smart Money Podcast
How To Have a Better Relationship With Money and Maximize Every Dollar
Right now I'm kind of finishing up a job at a museum where I'm paid pretty average. I'm able to kind of save some money. I direct deposit some money straight into my savings account. I'm able to put a little bit into retirement. And that was something that I've like very recently started doing. So I'm kind of proud of myself for that.
Office Ladies
Peacock Superfan Episode: Hot Girl
How are you? Okay. Good. I'm Kate. Hi. Hi. Nice to meet you. What's your name? Pam. Hi. Nice to meet you, Pam. Let me ask you a question. Do you read a lot of fashion magazines? Because you look really fashion forward. And I just wanted to let you know. Hi. How are you? Hi. I have a great opportunity today to get in on some of the newest styles.
Office Ladies
Peacock Superfan Episode: Hot Girl
Because I know with your working hours, you don't really probably have a chance to go to the mall very often. So what I have to offer you today is some excellent purses. And if I could just have a space to set up, maybe show you what I have and some of your other... Here, feel that. Yeah. It really brightens you. Yeah. Don't you think that gives her a nice color? I don't.
Office Ladies
Peacock Superfan Episode: Hot Girl
It really suits you. I've got faux leather. I have some really great fakes. You wouldn't even be able to tell the difference. I don't want to. Just like all the movie stars.
Office Ladies
Peacock Superfan Episode: Hot Girl
Okay, is there somebody that I could talk to? Like, who would authorize? Is that you?
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
There was no ability to just, like, continue on with life as this was happening, like, everything was on hold. I was calling in sick from work. I told my boss, like, I have a friend going through an emergency. I need some time off.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
My partner was like basically keeping me fed and like semi-functional and like having to explain to our families at that point too, of like, I was at my partner's house and his mom was like, Hey, why hasn't Katie left the basement in like a week?
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
She told me that, you know, generally that she didn't have family or friends to support her, that it was just like as traumatic a scenario as it possibly could be because she had just found out that her baby didn't have a heartbeat as well.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
I started reverse image searching stuff that she had sent us. The photo of a stillborn baby that she sent to Amy. And it was like something so ridiculous. Like if you type in 32 weeks stillborn baby on Google Images, it's like the second picture that pops up. Like she didn't even try that hard to hide her tracks. The picture of a tumor that she sent us that had supposedly come out of her.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
Reverse search that. And it was like the Wikipedia picture for like colon cancer or something like that.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
She said basically like she is just kind of a victim of the system, if you will, and had gone through like years of different forms of abuse and just was like somebody that had fallen through the cracks at kind of every point along the way.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
She ended up having contractions while I was on the phone with her, like working through contractions. They were timed out properly. When things would get more intense, her cognitive abilities would come and go, which is very normal. When her labor progressed, like, she would be throwing up.
Shawn Ryan Show
#188 Leigh & Robert Bortins - Why Parents Are Ditching Public Schools for Homeschooling
70%?
Shawn Ryan Show
#188 Leigh & Robert Bortins - Why Parents Are Ditching Public Schools for Homeschooling
Okay, so like, if you, how would it work? Because as you're, like, you know, talking to Sean about all this stuff, I have my questions over there. But I'm like, how would this work for a family that has to have a dual income? Or, like, you mentioned, like, single moms. Like, how do they do it? You know what I mean? Like, you could be a stay-at-home mom, and I'm assuming your husband was working.
Shawn Ryan Show
#188 Leigh & Robert Bortins - Why Parents Are Ditching Public Schools for Homeschooling
Oh, okay. So you're both working?
Shawn Ryan Show
#188 Leigh & Robert Bortins - Why Parents Are Ditching Public Schools for Homeschooling
Thank you.
Shawn Ryan Show
#188 Leigh & Robert Bortins - Why Parents Are Ditching Public Schools for Homeschooling
Thank you.
Shawn Ryan Show
#188 Leigh & Robert Bortins - Why Parents Are Ditching Public Schools for Homeschooling
Thank you. Thank you.
Shawn Ryan Show
#188 Leigh & Robert Bortins - Why Parents Are Ditching Public Schools for Homeschooling
Thank you. Thank you.
Shawn Ryan Show
#188 Leigh & Robert Bortins - Why Parents Are Ditching Public Schools for Homeschooling
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Shawn Ryan Show
#188 Leigh & Robert Bortins - Why Parents Are Ditching Public Schools for Homeschooling
our three-year-old, he memorized how to spell our last name, how, like, our phone, my phone number, because I'm like, I must be on the phone with a lot of receptionists because I'm always repeating these things, and he says it exactly the way I say it to a receptionist. So I'm just like, oh, my gosh. But it's like what you said about, you know, fighting insurance companies or whatever.
Shawn Ryan Show
#188 Leigh & Robert Bortins - Why Parents Are Ditching Public Schools for Homeschooling
Like, they're picking up on all of those things, you know? So...
Shawn Ryan Show
#188 Leigh & Robert Bortins - Why Parents Are Ditching Public Schools for Homeschooling
yeah one of his first words he ever said was duck and so you know where that led quickly we're enjoying your wife she's very smart future questions i'm all set for now yeah until the next break i'll have more all right guys i hope you uh enjoyed my wife there for a minute she she had uh
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
Yeah, so my question is, is how do you cope with anxiety and panic attacks while still processing grief in a constant, impending feeling of doom after going through a regional national disaster?
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
Thankfully, I did not. We had some minor damage at my home, a lot of damage in our neighborhood, but our home and my immediate family is safe, yes.
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
Yes and no. I think... I've kind of been through a lot in the past and I've kind of come to terms with it. Like I'm not special or above that things happening to me personally. And it's kind of a part of life things happen. Um, but I know that's definitely being felt by a lot of people in my area.
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
Um, and it's definitely something that can still definitely be a struggle day in and day out, seeing the suffering around consistently. Yeah.
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
Oh, yeah, absolutely. And I think the grief... I'm glad you mentioned that part because I did... My grandfather did pass away in the middle of the storm.
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
What's his name? His name was William. Yeah. Good guy? Very good guy. Yeah. How did he pass away? They put cardiac arrest on his death certificate, induced probably stress from the storm. He was in the... Between like where he lived was between two of the massive landslides you probably will hear about on the news. So we were actually not able to access him at all to find out if he was okay.
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
And his wife during the storm, I was able to talk to someone via like a Starlink during the whole mess of things in the first few days. And someone on foot got to his house to confirm that him and his wife were safe. And then that night we got a phone call via satellite phone from first responders that he had gone into stress cardiac arrest and had passed.
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
So that grief side of things is like when the panic attack really started, I think. Just not knowing how to process the loss of the grandparent. On top of knowing that not even getting up to his house at the time was possible. Hey, Katie.
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
That's what it feels like, yeah.
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
I think we're having a hard time coming to terms with that. We're kind of in denial.
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
No, it's not. Mountains are supposed to protect you from storms.
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
Yeah. And I think that's one of the tricky parts of all of this was that in the initial week or two that I didn't have power or cell service, there was no getting to mom and dad's house. There was no getting to granddad's house. There was no contacting family members.
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
There was... It was... Kind of very isolating. Kind of very.
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
We were basically an island in the section of town that I live in. Culverts were out. Our road for our neighborhood was out. It was completely inaccessible. I mean, I have two small kids, and I think a huge part of the anxiety that I'm facing now is if this happens again, we could not get in touch with pediatricians. We could not get emergency care. Right.
The Dr. John Delony Show
Should We Stay Married for the Sake of Our Kids?
Thank God we were okay in that moment, but not everybody was. And there's also like a significant amount of survivor's guilt.
The Ramsey Show
Don’t Let Toxic Money Situations Keep You Trapped
So it was an agreement to open the credit card because I needed to build my credit. I had no credit at all. And so... That was the way that we were going to build the credit cards. I mean, the credit, using the credit cards.
The Ramsey Show
Don’t Let Toxic Money Situations Keep You Trapped
Just the history. I had no history of any credit use at all. And did he say that that was a good idea? Yes. Okay.
The Ramsey Show
Don’t Let Toxic Money Situations Keep You Trapped
Of course, because I don't have any knowledge in the finance area.
The Ramsey Show
Don’t Let Toxic Money Situations Keep You Trapped
I'm great. How are you guys doing?
The Ramsey Show
Don’t Let Toxic Money Situations Keep You Trapped
So I was just calling to see if this was normal. My boyfriend has used the credit cards that are in my name and two of them are in both of our names, but I don't use the credit cards. And I was wondering if that is a normal thing because he's saying it's normal and I don't have to worry about
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Yes, hello. What a great opportunity. I just want to say thank you guys for taking the call. Sure, thank you. I'm going through a divorce. I was married to somebody in the military. He brought me down to his hometown two weeks within arriving, left me with nothing. And because of jurisdiction, I can't leave. This town doesn't have a lot of work opportunities.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
I've managed to kind of make it on my own without any family or friends here. But in my current situation, I obviously want to get out. I'm getting paid $13 an hour and I'm living in an RV, but I am very thankful for the blessings that have come my way, but obviously I just want to see my way out.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
My thing is I want to go to school, and I don't want to get in debt, but I feel like that might have to be an option, and I just need to, I guess.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Yes, I have two little ones.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Six and a four-year-old.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
No, it's just been me. Right now, because of Florida being 50-50, I actually have the kids most of the time.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
He's... In daycare. So, yeah, this year he should be going to preschool. Okay. Okay, so you do have a daycare option.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
I mean, right, yes, and, you know, there's certain programs that help with that, but right now I'm paying the full tuition for both of my kids and not getting any assistance.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
I know child support.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Well, I just... It's not exactly what I want, but it's what pays.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
28, around 28. 28 an hour? Mm-hmm. Okay.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
From what I've seen...
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Yeah, this is at the local community college. I have the numbers, but I should have been more prepared. That's okay. But I did look into it, and I have the numbers. I just can't remember them, but it's absolutely the cheapest.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Okay, so Katie, I'm talking like... It would be for an associate's $13,000, $13,840, so around $14,000. So total with $14,000, that would allow you to become a nurse, $14,000.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
So I was able to get the military to pay me because he got out. Right now we're in a limbo with the courts.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Like the daycare, I'm paying for daycare and aftercare for my kids.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Because I don't. Yes.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Um, he's in daycare, the four year old's in daycare. And when does the six year old go to kindergarten?
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Uh, the aftercare for my six year old is at the school. So, because I get out around 4.30 and she gets out a lot earlier, so I don't have anybody to watch her. I've only been here, I think, a year. All right, I understand. Trying to get to know people, yeah.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
It should be this fall. Preschool. Oh, you mean kindergarten? Yeah, kindergarten.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Right. So I've been...
The Ramsey Show
To Change Your Results You Have To Change Your Behavior
Hi, thanks for having me on the show.
The Ramsey Show
To Change Your Results You Have To Change Your Behavior
So me and my husband are coming out of credit card debt due to our business. We closed our business last year, and we were living off our credit card last year, and we just got it paid off. Wow.
The Ramsey Show
To Change Your Results You Have To Change Your Behavior
Thank you. It's a big step in.
The Ramsey Show
To Change Your Results You Have To Change Your Behavior
The baby step part. Yeah. I'm obsessed with the Ramsey show now, and I'm trying to revamp our budget and our finances. So... We just combined our bank accounts again, and I'm trying to figure out a budget of not falling into the paycheck to paycheck and falling into credit card debt again and trying to figure out what to spend on cash, what to put towards a credit card.
The Ramsey Show
To Change Your Results You Have To Change Your Behavior
Minimally, we have child care now for both our girls that we plan on using cash and debit. And I just am trying to figure out A budget.
The Ramsey Show
To Change Your Results You Have To Change Your Behavior
I have, and I loaded all of our expenses and I'm still trying to navigate it.
The Ramsey Show
To Change Your Results You Have To Change Your Behavior
So I'm in the green right now. I'm putting every, all of our expenses in and our budget and our income. And the issue is with my husband's income, it fluctuates. It's not a set salary every week.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
Alexandria, Louisiana. Sorry, I'm a little emotional.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
It took me five years and a lot of hurt and heartache and a lot of prayers.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
side hustles and gifts and everything. First year when I started this, it was about $45,000. Last year I ended right around $67,000.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
I'm a pediatric occupational therapy assistant as well as a medical billing specialist.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
That's awesome. You've been a huge motivation to keep going.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
Everything except for a payday loan. That is the only thing that I didn't do. In a house, I didn't go that far. Lots of medical bills. The majority of it was student loans. Looking back, that was the worst mistake of my life. And bought a car, second worst mistake. Bought a car a month before starting this. Fortunately, I did buy a used car, so it was not a huge loan, but it was a loan.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
Um, just the amount of time that it took.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
Yes, my goal was two years. And right before starting, I mean, sorry, right during the time that pushed me to start this, I was dealing with some medical things that was unexplainable at the time. There was no explanation at the time. I'd spent 10 months going back and forth to doctors, saw three or four specialists, did not know what was going on. And in October...
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
I had already been a side hustler since I was, you know, since I started working at 16 before I even knew about knew what a side hustle was. And I was dog sitting and I stumbled across the Ramsey show on YouTube and I was dog sitting. So what else do you do? I mean, I binge watch.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
Yes, yes. And actually, the family that I was dog-sitting for, they are a pediatric therapy center about two hours from where I live. I worked for them in college. And they're Ramsey. They do all the entree leadership. They've been to Summit, I think, when you guys were in Florida.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
And in Christie. And they have Believe and Achieve Therapy in Monroe, Louisiana. And so I was dog-sitting for Christie, their therapy dogs. And... I, I just, I watched the show, I think for 18 hours one day, because I mean, what else do you do? You know? And so, um, I, I was like, this is what I need. Cause I had medical bills that had started pouring in.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
Um, I had just bought a car, um, and I was just, I was very down and I was, I didn't know what to do, you know? And so, um,
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
Right, and I will say, I tell everybody, I knew what you were going to say. I watched it so much, I knew what you were going to say before you knew what you were going to say.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
Yes, I do that a lot, and so I got started, and I started saving my emergency fund, and Actually, a few weeks later, I was talking to my boss and I was sharing with her. We were close and worked for a very small clinic in Alexandria. Shout out to MB Therapy and all of my team. They may be watching or they're probably working.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
But I was talking to her and sharing with her that I had started, I had done my $1,000 emergency fund with actually the money that I made doing dog sitting and then a few other odd jobs. And she said, oh yeah, you need to do this. She said, my husband and I, Todd and Megan Bolton are their names. She said, my husband and I did it 20 years ago when Dave taught the class.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
And she said, and that's why we were able to, that's why we do things the way we do. And so that was in 2019 when I started. Well, you know what happened in 2020? And so looking back, I'm so grateful that you taught the class that they took in Monroe, Louisiana. 20-something years ago.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
They took it. I'm not sure if it was that specific event. I know it was through the employer that he worked for, but I'm not sure. I don't know all the details. But all I know is that we are about to build a multimillion-dollar clinic debt-free.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
and she was able to continue meeting payroll we never missed a payment um never missed i never missed a paycheck during covid and we actually um probably tripled our patient load during 2020 2021 because she was able never took one of the loans that was offered and guess what one of the paychecks was yours right and you're trying to get rid of 67 000 yes yes wow scraping that was actually what was the first thing you paid off
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
First thing I paid off was probably a medical bill.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
Last thing was student loans. I did not realize until later that I was supposed to have broken those up into smaller loans, and so I always treated it as my biggest loan, but they're gone. So I did that, took care of that.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
You have no idea. I mean, you do, but it's just so amazing to me.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
It was amazing. It was supposed to have been February. We were celebrating, and that's another story, but we celebrated the adoption of my little boy in February. And the night before his party, I was bringing his cake back home for the party the next day, and he and I had a massive car accident, totaled our car. And I had so many people say, well, are you going to get a car?
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
Are you going to have a car payment? And I said, nope. I said, God's going to provide.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
and um we had insurance didn't you I did but I didn't know you know I didn't know what kind of an insurance check I had an older car I was driving my the car that I was driving I had bought five years before and it was old when I bought it and so it was a good car but you know it wasn't worth a whole lot so um I talked to my brother about purchasing his car um he's in the military so we had a lot of um you know talked about that he doesn't need the vehicle and so that was kind of what I was thinking but it was
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
2000 I think it's a 2000 2001 something like that but my my parents reached out to me and said hey we're talking about getting a new vehicle so um you know we'll sell you this one for this amount and I said okay you know we'll see what my um what my insurance check is um because I don't know if I'll be able to swing it but you know and that they had agreed that they would give me um a small amount as well toward the purchase of whatever I bought and so um
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
A couple weeks later, I got a phone call from my insurance company, and it was almost to the penny of everything that I needed to pay for the car in full, as well as the registration. I paid $200 over to cover the registration.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
Yes, I went from a 2016 Sentra to a 2016 Rogue. I like it. I'm proud of you.
The Ramsey Show
Life Happens. Are You Going To Be Ready for It?
If I can survive cancer, move through an adoption, cash flow, a bachelor's degree, and part of a grad school degree that I quit because I just decided I was tired of paying for it. If I can do it through all of that, anybody can do it.
The Ramsey Show
Introduction: The Ramsey Show
I always want listeners to come away with a sense of power over their situation.
The Ramsey Show
Introduction: The Ramsey Show
Katie's with us in Dallas, Texas. Hi, Katie. How are you?
The Ramsey Show
Introduction: The Ramsey Show
George gives worthless advice the absolute worst of all Ramsey personalities. What's scary is I'm just giving the advice you would have given.
The Ramsey Show
Introduction: The Ramsey Show
This is your halftime speech, okay? It's halftime and you're behind. $10 is not okay, left over. That's the definition of terror when you're by yourself.
The Ramsey Show
Introduction: The Ramsey Show
Do you promise me you'll do this stuff if I give it to you free?
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
So for me, a little over a year ago, I had, through prayer and promptings from the Holy Spirit, started to feel like this mortgage is such a weight on our shoulders. Like, why are we not just getting rid of this? And there had been a couple opportunities for us to give, and I wanted to give more, and we just didn't have that ability.
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
And I had this whisper in my heart from God just saying, you know, if you didn't have that mortgage, you could have given more. And so I started crunching some numbers and we talked to Steve. We had a couple of meetings together and I was like, I think we can do this.
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
And if we just really buckle down and get really focused and we thought we could do it in 12 months, that's what we thought it would take. And God is just so generous. Once we got started, we got really laser focused and we were able to do it in eight instead of 12 months. And I have to give a lot of credit to our daughters because we did tell them what we were doing.
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
We had a meeting with them at the beginning and said, this is what we're going to do. This is the amount of money. This is how long we think it's going to take. And they were on board. They said that they were willing to make the sacrifices too.
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
Yeah, I think it's kept us, the communication was key. It's kept us close. I think it's good to have these goals. You know, even going forward, we're going to have goals, goals for giving, you know, goals for our children, you know, setting aside money for their college education.
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
And, you know, we're really focused on changing our family tree and making sure that they don't go into their 20s with what we went into our 20s with. Yeah.
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
Well, yeah, we did the calculation right before we came here. It's a little over $700,000 in investments in cash.
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
Well, this weekend we have an Airbnb in downtown Franklin, which we love downtown Franklin. It's so cute and quaint. So that's part of our celebration. Treat yourself. Yeah, we're going to some nice restaurants.
The Ramsey Show
Your Debt Should Make You Uncomfortable
I have a big problem. Well, I don't know if it's too big, but my question is, how do I tackle my debt while establishing an emergency fund and investing at the same time?
The Ramsey Show
Your Debt Should Make You Uncomfortable
So I've held on to this large amount of money in my savings account. I started saving since I was 16. And I just, I'm exhausted of seeing it just sitting there. I want to do something with it. My frustration is I'm not knowledgeable in investing and I don't even know where to start. I don't know.
The Ramsey Show
Your Debt Should Make You Uncomfortable
Oh, my goodness. That's exciting to hear. It is.
The Ramsey Show
Your Debt Should Make You Uncomfortable
One credit card in the amount of 6563. Another credit card in 6783.
The Ramsey Show
Your Debt Should Make You Uncomfortable
monthly spending. I have a problem of I like seeing the money there. I like feeling secure. I like feeling safe. My problem is just letting go of that money.
The Ramsey Show
Your Debt Should Make You Uncomfortable
For him and me, myself together? Yeah, as a household. I want to say roughly $6,000. Okay.
The Ramsey Show
Your Debt Should Make You Uncomfortable
With finances, it's kind of you earn your money, you make your money. We share the mortgage. So you just sell me the money and we're OK with that. All right. My money is my money. And yeah.
The Ramsey Show
Your Debt Should Make You Uncomfortable
We're okay with working together. I'm sure he'd be okay with that too.
The Ramsey Show
Your Debt Should Make You Uncomfortable
Yes. Okay. We don't, we really, I don't want to hear about, um, That's hard to say. His financial struggles. No, you're good.
The Ramsey Show
Your Debt Should Make You Uncomfortable
Oh, gosh, that was unexpected. Yes, you've definitely unpacked it.
The Ramsey Show
Your Debt Should Make You Uncomfortable
Yeah. My parents, they got divorced because of money. Ah. So that's a big fear. In the background, my husband, he has let a few credit cards go to collections recently, as soon as my daughter was born. He's been underwater for what feels like a long time, probably two years already. And if I mention this, you're going to say sell it. Well, tell us. The truck. It's the truck.
The Ramsey Show
Your Debt Should Make You Uncomfortable
He has $11,000 left on it, but it's these monthly payments of $600 that he wants to be free from.
The Ramsey Show
Your Debt Should Make You Uncomfortable
I want to say roughly it's $7,000. Okay. Anything else? Now you've opened my eyes. No, not that I know of. Maybe I need to have a discussion with him.
The Ramsey Show
Your Debt Should Make You Uncomfortable
Yes, he is. Okay, let me dig deeper. It just came in. So we have this watercraft boat. It is under both of our names, but he takes financial responsibility for it, and the balance is $11,000.
The Ramsey Show
Your Debt Should Make You Uncomfortable
What else? Anything else? Aside from his truck, the car, and a few credit cards, there is nothing else.
The Ramsey Show
Your Debt Should Make You Uncomfortable
No idea. Okay, okay. We haven't looked into it. It's very precious. Okay.
The Ramsey Show
Your Debt Should Make You Uncomfortable
I'm pretty sure he will call the show tomorrow.
The Ramsey Show
Your Debt Should Make You Uncomfortable
What'd you say? 5,000 left. Yeah. I would have 5,000 left. So I'm paying off my two credit cards.
The Ramsey Show
Your Debt Should Make You Uncomfortable
I'm paying off my car. Yes. Selling the boat. And you suggested paying off the truck. Yes.
The Russell Brunson Show
From Stuck to Scaling: Transformative Advice for Entrepreneurs
Hey, yes, you have. So, yeah, Russell, I'm a little starstruck. You're live. You're not recorded right now. It's me. Yes. So, very nice to meet you. And Dante, you always set the tone. So, thank you. I am currently in Prime Movers, so Dr. Abby, check that out. That, I think, is the direction you're looking to go. Yes. And through Prime Movers, I stumbled, of course, into Core Secrets.
The Russell Brunson Show
From Stuck to Scaling: Transformative Advice for Entrepreneurs
And I think it was there in one of your videos. It was at the tail end. And you mentioned rather quickly, if you are dipping into a market that nobody is in, get out. Und dann bist du einfach auf etwas anderes gegangen und ich dachte mir, warte, warte, du verdienst mir total eine Ausgabe, wenn das der Fall ist.
The Russell Brunson Show
From Stuck to Scaling: Transformative Advice for Entrepreneurs
Ich bin ein früherer Feldmanager für eine Home Warranty Firma, also habe ich Techniker im Feld gesteuert. Und ich steckte aus meiner Position weg, um ihnen tatsächlich zu erlernen, was sie mir bezahlen, um ihnen zu erlernen, dass ein Niveau, von dem sie lernen können.
The Russell Brunson Show
From Stuck to Scaling: Transformative Advice for Entrepreneurs
Ich bin also in der Home-Service-Arena, aber jetzt steige ich in diesen Niveau hin und gehe weiter in diese Funnel hin, in Unternehmen, die entweder mit Home Warranty-Anbietern arbeiten wollen oder Unternehmen, die für Home Warranty-Anbieter arbeiten und kämpfen. Ich bin also die Erste hier. Ich habe es gegoogelt, ich habe es überall gesucht, es gibt niemanden, der das macht.
The Russell Brunson Show
From Stuck to Scaling: Transformative Advice for Entrepreneurs
Wenn die vorherigen Field Managers gepoacht wurden, wurden sie von einer Firma gepoacht, um ihr Home Warranty Liaison zu sein. Jetzt gehe ich also zu den Massen. Und ich glaube immer noch, dass ich mit dem DREAM 100 in die größere Flasche gehen kann und dann meine anderen lesen kann. Aber was mich wirklich interessiert, ist, warum du das gesagt hast, was du gesagt hast.
The Russell Brunson Show
From Stuck to Scaling: Transformative Advice for Entrepreneurs
You know what I mean? You're right. And it's actually not, because what I have realized ist, wer ich eigentlich heute verkaufe, sind die aktuellen Feldmanagern, die ich verabschiede. Weil sie sagen, meine Leute kämpfen immer noch daran, meine Leute kämpfen immer noch daran, kann ich sie dir senden? Ich sage, ja, bitte.
The Russell Brunson Show
From Stuck to Scaling: Transformative Advice for Entrepreneurs
Also, mein Wettbewerb ist tatsächlich, mein DREAM 100 besteht gerade nur von aktuellen Feldmanagern. Aber ich bekomme nicht den Anruf vom Management, um zu sagen, Katie is going out and making money off our backs because we didn't do our job well. You don't want to hear that yet. So I am still thinking that I do need to go where the masses of home service companies are and there are plenty of
The Russell Brunson Show
From Stuck to Scaling: Transformative Advice for Entrepreneurs
Facebook-Page und Podcasts und solche Sachen.
The Russell Brunson Show
From Stuck to Scaling: Transformative Advice for Entrepreneurs
Perfect. Well, quick shout out to Jordan in Prime Movers. Ask him about yesterday's morning meeting and give him a kudos. It was bomb.com.
The Russell Brunson Show
From Stuck to Scaling: Transformative Advice for Entrepreneurs
Thank you, guys. Appreciate it.
The Telepathy Tapes
Ep. 9: Telepathy Across Dimensions, Death, and Beyond
napping too. John Paul, he was a big boy. He was 17.
The Telepathy Tapes
Ep. 9: Telepathy Across Dimensions, Death, and Beyond
He had a seizure in the hot tub and most likely drowned. It was a death to Katie.
The Telepathy Tapes
Ep. 9: Telepathy Across Dimensions, Death, and Beyond
That afternoon, she took an exceptionally long shower, which is normal in the morning or maybe before bed, but not in the afternoon. And she was in the shower at the time of John Paul's passing. And they both loved water so much. And I can just... Imagine her, you know what I mean, almost staying there in the water with him and needing to be in the water.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
How's your hashed horse? That's a good one. Oh, my God. I had a meltdown. Speaking of weird animal hashes, I had a fucking meltdown the other morning. Hashes? Don't get into it. So Lauren had a killer party. I will tell you, we can all talk about that in a second. I have a very funny... Lauren put me in an awful predicament at that party, but we'll get into that after.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
So I'm so mad. We show up, but you have to put on like a nice face now. Yeah. Because you're with your family. And I was just sitting there fuming. There were scrambled eggs the whole time. I just didn't... It was the first thing on the menu. I didn't... Apparently she had told me multiple times. It was tossed inside of the bird, dropping. And I was just not having it. But yeah, I was like...
Will & Rusty's Playdate
we built the biggest rube goldberg machine
Just the worst thing you could possibly say to someone who's already acting like a child is like a... You could get the duck.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
Cheers. We create a sense of jealousy amongst other brands by just making up that we're sponsored. None of these are real. These are all companies we secretly started. All right, we have a lovely episode for you guys today. We're going to do the permitting division of the building department where we call your parents and tell them that they did something wrong to the house.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
That's when a southern gentleman makes his way up to the land of the lakes.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
He said he'll put Will on his prayer list at church. That's the worst prank call of all time. The funniest prank call of all time where we... Welcome back to the permitting division of the building department where we call you and actually have a conversation about things that we can't fix.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
Yeah, because now you got him all excited. He was like, oh, man, that is going to just really help me out. Also, actually, don't feel bad, because he lied to you. He moved the dirt around.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
And he was just like, nope. He stuck to his guns. Water has.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
He got in the car and he flew out. I thought you meant he was on a Segway. No, he was not.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
Yeah, it almost would have been better if you were like a dick. I know. You were just like, yep, we can do that. We can fix that right up for you.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
um one of the worst prank callers ever i don't even know like what even was that i don't even know what call a pizza place and like place a big order i don't even know what then pick it up i don't even know what the joke was cheers and bitches lord yeah the last one actually was so funny with the shower head oh i i couldn't even hear it oh yeah i don't even know if she whatever oh
Will & Rusty's Playdate
we built the biggest rube goldberg machine
We said we had to put the shower head on the floor and then had to spray him upwards. Because then it's technically a sprinkler.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
Don't give in to our impulses. We just actually listen to Lauren.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
We were playing King's Cup and one of Will's friends was just putting the card. You know, you put it under the tab. Yeah. Was just putting it in the existing pile and somehow had a really good knowledge of friction.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
oh no not to arrest him like the guy I feel like launching a chair at someone is it sounds like he was like asking for it in the way that no one blamed the guy he's like come on yeah come on you won't you won't throw that chair at me what would compel you guys to throw a chair at someone the next day Elon Musk shut down I don't know so
Will & Rusty's Playdate
we built the biggest rube goldberg machine
I mean, hey, if it comes to that, me not being involved in politics is not going to be something you're going to worry about. I'm going to be leading the charge.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
That's a good question, Lauren. Lauren asked, what is something someone would have to do for you to throw a chair at them? Call my mama a hoe.
Will & Rusty's Playdate
we built the biggest rube goldberg machine
someone could say almost anything i don't know if i could muster up enough strength to throw this chair at them but if we're at a place where there's a bunch of to be yeah you have to be it has to be the perfect storm where you're in a sea of throwable chairs and i'm picturing like an outdoor barbecue like penmar everyone's like kind of on the floor you just like grab someone's folding chair and
Will & Rusty's Playdate
we built the biggest rube goldberg machine
Can you hear? Does it register on the microphone when he farts?
Will & Rusty's Playdate
we built the biggest rube goldberg machine
It was you and the guy who threw the chair. Yeah. Next round's on me, guys. um and i went out and threw a chair at that guy she told me that story and then she saw me write it down in my notes and then she backpedaled i was like wait maybe i i might have she was like yeah jack i might have like pushed back like twice i was like all right his card
Will & Rusty's Playdate
we built the biggest rube goldberg machine
Guys, Triple is born from a desire to blend THC's social buzz with the social ritual of sipping on a seltzer.