Sam
Appearances
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: Worst Best Man
In 2020, a group of young women found themselves in an AI-fueled nightmare. Someone was posting photos. It was just me naked.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: Worst Best Man
In 2020, a group of young women found themselves in an AI-fueled nightmare. Someone was posting photos. It was just me naked.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: A.I Fail
I just couldn't get that image out of my mind, just of how ugly our future children will be. Wait, wait, what? How ugly the AI fake children were? With that picture you showed me, it put fear in my mind that this is what my actual kid is going to look like, like monsters. Obviously, I'm not a mom. I don't have kids. But if I did, I would not be able to look at my daughter and tuck her into bed.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: A.I Fail
I know that it's AI and that I just personally do not think that I would be able to live with the fact of that image in my mind saying this is what my kids are going to look like.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: A.I Fail
You didn't see these children like I did. These little monster children, they are ugly. Oh, no.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: A.I Fail
Did he show you the pictures? Did he show you the whole book? No.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: A.I Fail
I'd say the freakiest thing was my six-year-old son's creepy-looking smile. Oh.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: A.I Fail
I would be willing to go on another date if he just leaves AI out of it.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: A.I Fail
I mean, I'm intrigued. I got a few secret talents of my own.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: A.I Fail
Okay, well, what do you want to talk about?
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: A.I Fail
When you first showed me the book and we were looking through it, I initially thought it was creepy. And thinking about it days later, still creepy.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: A.I Fail
And, I mean, I appreciate that. But I didn't really know how to take it. So I went home and asked my girlfriends about it.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: A.I Fail
Um, their eyes got really big and they start saying things like, no way. Why are you dating Hannibal Lecter? Did you throw the book at him and run?
Brooke and Jeffrey: Second Date Update
Second Date Update Classic: Hot Date Hijack
Brought to you by Novartis, founding partner of iHeart Women's Sports Network. My husband cheated on me with two women. He wants to stay together because he has cancer. Should I stay?
Brooke and Jeffrey: Second Date Update
Second Date Update Classic: Hot Date Hijack
My husband cheated on me with two women. He wants to stay together because he has cancer. Should I stay?
Brooke and Jeffrey: Second Date Update
Second Date Update Classic: Hot Date Hijack
Well, John, that's because it's dump-up week, and this user writes, last week we had an attempted break-in. I asked my husband, who was supposed to be at his mom's, to come over and change the locks, but his mom told me he wasn't with her. And it took me less than an hour to find the first two women he was cheating on me with. Did she leave them?
Brooke and Jeffrey: Second Date Update
Second Date Update Classic: Hot Date Hijack
Well, to find out how this story ends, follow the OK Storytime podcast on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.
Brooke and Jeffrey: Second Date Update
Second Date Update Classic: Hot Date Hijack
Well, John, that's because it's dump-up week, and this user writes, Last week, we had an attempted break-in. I asked my husband, who was supposed to be at his mom's, to come over and change locks. and his mom told me he wasn't with her. And it took me less than an hour to find the first two women he was cheating on me with.
Brooke and Jeffrey: Second Date Update
Second Date Update Classic: Hot Date Hijack
Well, to find out how this story ends, follow the OK Storytime podcast on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.
Coder Radio
589: Blame the Tools using the Tools
Deeply personal in a way we never could have anticipated.
Coder Radio
589: Blame the Tools using the Tools
Off kilter. There's a certain unsettling awareness that we can't shake. Like looking at a reflection that suddenly... Not you. Not quite right.
Conan O’Brien Needs A Friend
The Mothman Cometh
There was... It was like corned beef hash, potatoes, and then I believe you dumped a Guinness on it.
Conan O’Brien Needs A Friend
The Mothman Cometh
But yeah, like ever since then, anytime I can get potatoes and tacos, like there's like a couple of places. I mean, like Taco Bell does do that, but like there's like other places that like sell mashed potatoes and tacos and stuff like that. I always have to get it because I always think about it.
Conan O’Brien Needs A Friend
The Mothman Cometh
Yeah, for that one. Yeah, especially. Yeah, it's still provisional patents. So it's, you know, rest assured that's sitting on some government office somewhere waiting to get approved.
Conan O’Brien Needs A Friend
The Mothman Cometh
Yeah, I'm lucky to have you guys to listen to because you guys are always on when I'm working on stuff. So I always save the podcast for when I have, like, you know, long days to get through orders.
Conan O’Brien Needs A Friend
The Mothman Cometh
So I transitioned when I was 33 years old. I started, and I'm going to be 39 next month. You look fantastic, by the way. Thank you.
Conan O’Brien Needs A Friend
The Mothman Cometh
Yes, in every single toy. And then my one partner wanted me to show you this. Oh! He made a Team Coco colored... Look at that! Aww!
Conan O’Brien Needs A Friend
The Mothman Cometh
I know. Well, that's kind of like one of the perks of like, you know, transitioning a little bit later is, you know, you look you always look a little bit younger, like when you're transitioning from female to male. But like for me, like for some people, like in their early 20s, like that's not so great. But like when you're in your 30s, you know, I'll take it. I'll look younger.
Conan O’Brien Needs A Friend
The Mothman Cometh
So pretty much I run my own business. I actually make adult toys.
Conan O’Brien Needs A Friend
The Mothman Cometh
And I've actually been in the industry since 2008. But when I started transitioning, which I think was like 2019, I kind of noticed that there wasn't toys on the market that were super compatible with trans anatomy and the changes that your body goes through when you do that. Oh, that would be true.
Conan O’Brien Needs A Friend
The Mothman Cometh
Yeah. So I was like, hey, I've got these skills from working in the industry. Can I translate that into something that works good for, you know, for a variety of different body types? So and that's what I've been doing pretty much since then. It's mostly just been me, my designer who lives in Denmark.
Conan O’Brien Needs A Friend
The Mothman Cometh
And then just recently, one of my partners started helping me make toys like just, you know, to keep up on orders.
Conan O’Brien Needs A Friend
The Mothman Cometh
Yeah, exactly. And it was like, I mean, there was definitely stuff out there. And I swear I probably bought like one of everything just to see. And then it's taken, you know, it's taken a while, but like we've, like one of our toys took like four years to finally design. So it would be compatible.
Conan O’Brien Needs A Friend
The Mothman Cometh
And then another thing we completely came up with that nobody else has done is we came up with what's called a grindable thing. which is like halfway between like a sleeve and like a grind pad, which is something that like some people use, like cis women will generally use to like grind up against. So we kind of invented something that was halfway between that, me and my designer.
Conan O’Brien Needs A Friend
The Mothman Cometh
So one of the things like so our toys are cryptid themed. So they're they're basically like fantasy toys themed. So that was like what my old business did. So I kind of just kept going with that. But minor cryptid base.
Conan O’Brien Needs A Friend
The Mothman Cometh
Yeah, so they're based on monsters and folklore. We have a Mothman, we have Minotaur, we've got the Jersey Devil. We're trying to come up with more stuff.
Conan O’Brien Needs A Friend
The Mothman Cometh
I think you have a customer here. I'm going to show you. Yeah. So this is our Mothman. Oh, wait a minute. Yeah, so this is our medium. No, it's not. That's a medium? Yeah, we have two sizes smaller. What's the big deal? And two sizes bigger. Whoa. But yeah. And then these are all made of platinum cure medical grade silicone.
Conan O’Brien Needs A Friend
The Mothman Cometh
So these are not like the toys that you just buy like, you know, online that are just made of unknown materials, you know. Right. You want to make sure you're using medical grade. They're all medical grade safe. Yeah. Yeah.
Conan O’Brien Needs A Friend
The Mothman Cometh
So, yeah, we, you know, that, and then we, and then we make these, we can, I, like, one of the cool things that I can do is I can fade the silicone to, like, this is, this is, you start with one, it's one bucket and you fade all the way down to a different color.
Conan O’Brien Needs A Friend
The Mothman Cometh
I mean, like, I have a background in art too. So that's, that helps. It is beautiful. Art and comedy. So, I mean, you have to have a sense of humor to do this. Yeah. So, you know, all throughout high school, I did improv and theater and all of that. And then when I got out of high school, I was like, man, I really miss this.
Conan O’Brien Needs A Friend
The Mothman Cometh
So I ended up starting a we go to furry conventions, which is another way that we market because there's a big market for like.
Conan O’Brien Needs A Friend
The Mothman Cometh
So the furry fandom is just, like, a group of people that enjoy anthropomorphic animals. So we're talking stuff like, you know, as, you know, like Bugs Bunny all the way up to, like, Zootopia. Sure. Things like that. People just enjoy that. And for the most part, it's, you know, it's very just, like, family friendly. But there is a, like, a not safe for work kind of side of the fandom.
Conan O’Brien Needs A Friend
The Mothman Cometh
Yeah. Yeah. This work is not safe. I did hear those, uh, those, uh, someone was reading those fan. I think it was Sona had the fan fictions that, uh, yes. Yeah.
Conan O’Brien Needs A Friend
The Mothman Cometh
Oh, yeah, 100%. And the same goes for like the cryptozoology stuff. And that's why there's like a whole monster lover community, things like that.
Conan O’Brien Needs A Friend
The Mothman Cometh
Yeah. So I really missed doing improv specifically. So one year I asked a convention if I could host like an improv panel and we just called it Who's Lion? So it was like an animal pun on whose line is it anyway? Yeah.
Conan O’Brien Needs A Friend
The Mothman Cometh
And we ended up, our first show had like 60 people. And what we ended up doing was we just kind of let the audience come up and participate. I would work and play the games. I was just basically running like, hey, we're playing this game now. And we've had up to... 500 people at one show. I mean, obviously not everybody can participate at that point when there's like that many people.
Conan O’Brien Needs A Friend
The Mothman Cometh
But we do try to get as many people up as possible to play in these games so we can just share. And everyone's dressed as animals.
Conan O’Brien Needs A Friend
The Mothman Cometh
not everybody uh so i would say like 10 of a furry convention actually like actually has like costumes um but then these are just people who are you know we're coming to hang out and we have like a common interest and uh they you know they want to come up on stage and you know have a good time and some of them are in suit um like i've done it in suit like when we do a charity version of who's lying i'll generally be in my fursuit and what's what's your fursuit
Conan O’Brien Needs A Friend
The Mothman Cometh
So my fursuit's an African wild dog. I've had like a bunch of different fursuits throughout the years, but my current one is an African wild dog.
Conan O’Brien Needs A Friend
The Mothman Cometh
Let's do a parade. Come on. Let's do a parade. So first of all, remember I talked about like the Grindable? Whoa. So this is like our invention. We actually have the provisional patent on these. We have two of them. Oh. We have the Serpent Interface and the Xeno Interface. That must have been a fun day at the patent office.
Conan O’Brien Needs A Friend
The Mothman Cometh
Well, thankfully, my business lawyer is a patent lawyer. And he's just like, he's so cool about it. He's like, whatever. And then, you know, another thing that we did was we actually ended up scaling it up. Oh, wow. So cis men could use it as like a masturbatory. Wait, is that just friction based or is it electronic? It's all silicone.
Conan O’Brien Needs A Friend
The Mothman Cometh
I've never seen you this involved in the engineering of anything. You use it like you would a fleshlight. You use it like you would a fleshlight.
Conan O’Brien Needs A Friend
The Mothman Cometh
We want stuff that lasts a little bit longer than that, though.
Conan O’Brien Needs A Friend
The Mothman Cometh
Yeah. I mean, like we have microphones on stage. So one of the funny things about it is that like when you do have like a fursuit and you are on stage and especially like even if it's like a smaller crowd, like we still have to get the microphones on the on the fursuiters. Yeah. You know, normally I have no problem projecting, but even in suit, like I have issues with it.
Conan O’Brien Needs A Friend
The Mothman Cometh
Yeah, I try. I try to be. And my brother, whose whose name is also Matt, also loves has always loved you, too. He's about as tall as you, too. Oh, wow. OK. I would have been as tall as you if I had if I had if I had a Y chromosome. But I am a trans guy. Okay, okay. Which means that I started life as a girl, and when I was 33, I transitioned to being a guy.
Conan O’Brien Needs A Friend
The Mothman Cometh
So you have to like put the microphone like all the way in the fursuit mouth. So it's up against your mouth in the head. So it kind of just like looks like you're well. deep-throating a microphone when you're doing that. Well, I'd hate for something untoward to happen. Yeah. So, but yeah, no, we always have like a really good time.
Conan O’Brien Needs A Friend
The Mothman Cometh
Well, I mean, like I go through the airports all the time with these in my carry on. Right. Well, they don't because I want to have I want to make sure that they don't get lost because we've had like because we go to conventions to sell. And I've had like packages get lost.
Conan O’Brien Needs A Friend
The Mothman Cometh
Like there's in in in in in Boston specifically, there are two boxes of my toys that just never showed up to a convention in Boston that we were at. So those are just somewhere.
Conan O’Brien Needs A Friend
The Mothman Cometh
No, they got delivered to the hotel and someone signed for them, but nobody could find them. So I don't know where they are. So now we put air tags in all of our boxes.
Conan O’Brien Needs A Friend
The Mothman Cometh
So it's done right here at my house. My entire basement is... finished and like it's a finished basement that we've like completely uh set up to do all the uh we have um we have seven 3d printers um we have um we have a couple of vacuum chambers uh you know because we have to take all the air out of the silicone before we pour it um so there's no bubbles in the toy um
Conan O’Brien Needs A Friend
The Mothman Cometh
And yeah, we just do everything here, like just locally, you know, and I get all my supplies locally.
Conan O’Brien Needs A Friend
The Mothman Cometh
Yeah. So one of the things that I always wondered is, do you ever wish that they still made the Otako podcast? At Taco Bell.
Health Chatter
Fake News and Health
Correct me if I'm wrong. I think it came out of the political arena or what. I don't know, but it's really disconcerting. But do you have a sense when it started or when it came about?
Health Chatter
Fake News and Health
So, you know, it's underlined and, and Maddie, you, you, you touched on this. Um, underline all this are our personal values. So for instance, you know, we value certain things, but yet we might look at the other side just to see what, what's going on.
Health Chatter
Fake News and Health
Like for instance, Matt, you said you, you watch, you know, CNN, you know, because you're more on the, on the, on the liberal side and you adhere more to their thinking. However, When would you watch Fox News, for instance? Well, it wouldn't be to compromise your values. It would just to see how the other ones are coming across. So that's one thing I think we do.
Health Chatter
Fake News and Health
But hopefully, I'm hoping that accurate information... is the call of the day. And that should never compromise our values for sure. Let's talk a little bit about all these different kinds of methods of getting information. So like Facebook, for instance, outpaces all other social media sites as a news source for Americans. Facebook.
Health Chatter
Fake News and Health
So now, you know, if you were to ask Clarence or I, you know, let's just go back 20 years ago, if we were to ask that same question, first of all, it certainly wouldn't have been Facebook. It would have been, you know, I don't know, New York Times, Washington Post, major, you know, even news broadcasts on major television networks. That would have been the answer. But not today.
Health Chatter
Fake News and Health
30%, you know, this is from our background research here, 30% of US adults saying they regularly get news from Facebook.
Health Chatter
Fake News and Health
Yeah. And here's some more information. 86% of Americans get their news on their smartphones. Yeah. Okay. So think about how... how you get the, it's almost like news bites. You don't, you really wonder what percentage of that 86% digs deep into the actual written discussion about it. Or do they just read these headlines?
Health Chatter
Fake News and Health
Right. And, and it's kind of like, you, you wonder whether or not all of this is related to how fast paced we are without the, the ability to really slow down. You know, one, you brought up the idea of, you know, being critical. I remember actually, of course I took in, you know, for my, my doctoral work on how to ask the right questions and,
Health Chatter
Fake News and Health
So, and we would use, we would read particular research articles and we were taught how to be critical thinkers and how to ask, you know, what this means or, you know, dig deeper into subjects. I'm not so sure, you know, I hope, you know, certainly, you know, at the doctoral level that, you know, people still are critical thinkers and learn how to ask the hard questions.
Health Chatter
Fake News and Health
So, all right, let's link it back to health a little bit here. We are seeing, the research is starting to come out that patients suffer from News related stress.
Health Chatter
Fake News and Health
Okay. And, you know, I'm sure, you know, I can certainly say that, you know, I can, I can relate to that, you know, you get to a certain point where you can't hear, you don't want to listen to it anymore. Okay, it's just like, I can't, I can't, I can't hear any more about that particular subject.
Health Chatter
Fake News and Health
Let me give you a for instance, you know, there are wars that are going on as we speak in Ukraine, and in the Middle East and Israel. And You keep hearing about it and there's only so much that you can listen to or get involved with before you get stressed out yourself. And stress is a major health issue. So we have to balance.
Health Chatter
Fake News and Health
Hello, everybody. Welcome to Health Chatter. Today's topic, interesting one. Of course, all our topics are interesting, but this one, fake news. And it's a good follow-up to our last show when we talked about health and politics. So we should see how this one plays out. We've got a great, great crew who I love to recognize. Maddie Levine-Wolf, who's helping us today doing the recording.
Health Chatter
Fake News and Health
We have to learn how to balance the information that we get at the individual level for sure.
Health Chatter
Fake News and Health
Correct. And I think that there's a level of engagement at the personal level and at the community level that I think we have to also keep in balance.
Health Chatter
Fake News and Health
Again, for our listening audience, this is really interesting. Obviously, we were getting ready for this show, and in today's Star Tribune, Minneapolis Star Tribune, the editorial in today's paper, August 2nd, 2024, A Bright Spot Amid Vax. vaccination disinformation. So listen to this. A new study from George Washington University yielded surprising yet hopeful findings.
Health Chatter
Fake News and Health
In an area in which disinformation, which we talked about a little bit ago, has undermined the public's confidence in vaccines, researchers documented good news about one important immunization, the hepatitis B vaccine for newborns. The parental refusal rate previously recorded in a study at 12.1% in 2017 plummeted, ready, to 3.5% in 2022, meaning more parents are taking the responsible step
Health Chatter
Fake News and Health
and getting their children vaccinated. This development is an encouraging one. So in other words, all right, you know, at some point, you know, we might have been involved, certainly during COVID, vaccination overload, and it might have had an effect on other vaccinations that we need to get. It's like, oh my God, you know, I can only get poked in my arm so many times, okay?
Health Chatter
Fake News and Health
Or my kid can only get poked in the arm so many times. But that doesn't mean that there wasn't accurate information out there. So in this case, the disinformation was basically put aside and we're seeing positive impacts of the information and people acting appropriately.
Health Chatter
Fake News and Health
Yeah, and who makes the judgment? Whether... And it's just kind of overwhelming when you think about it. It's just like when, certainly when I was growing up, and it's you too, it's like when you think about this, it's like news. You think of news as being accurate and factual and truthful.
Health Chatter
Fake News and Health
You know, I agree. You know what struck me is like information. Where do people go to get health information? So for instance, if you're diagnosed with a particular disease, that you know nothing about. And all of a sudden you're thrust into, you need to know. And so it's like, where do you go for trusted information? Not misinformation, but trusted information.
Health Chatter
Fake News and Health
And like, for instance, if you go to the Centers for Disease Control to look up something, was the center or has been the Center for Disease Control disease control, has their information been compromised? The trust been compromised because of some things that have come out in fake news or information overload that people don't trust at any given time. And so now what happens?
Health Chatter
Fake News and Health
Correct. So, Maddie, I've got a question for you. You know, obviously you're a player tonight. We grew up in a... in a generation where we had newspapers, I mean, that were really sources of information, even though they have them today, but people aren't relying on them as much, news broadcasts, et cetera. What do you, Maddie, what do you embrace as far as, I guess, trusted news?
Health Chatter
Fake News and Health
But now it's kind of like this standard deviation away from that where then we as the public have to make judgments about accuracy and whether it's truthful or whether it's verifiable. It puts kind of the onus on us where It doesn't seem like that that was the focus of what news was all about, whether it be in newspapers or in the social media world, etc.
Health Chatter
Fake News and Health
And finding the balance. You know, it's like we have enough to do just personally our own balance, but then all of a sudden you're barraged with all this information, disinformation, misinformation. Yeah.
Health Chatter
Fake News and Health
You bring up an interesting point about processing. Again, if I reflect on when we received news 20 years ago, we didn't have to process. We really didn't have to, in our mind, we didn't have to determine whether this was good, bad, indifferent, whatever. It was news. You would listen. You would just listen and take it in. Now you have to listen and process it
Health Chatter
Fake News and Health
good, bad, or indifferent going forward. Do you think that's an accurate statement, Clarence?
Health Chatter
Fake News and Health
I don't know, Clarence, what do you think? I don't think they were as intense as they are today.
Health Chatter
Fake News and Health
But... You know, I think we're also attracted. I think we're attracted to negative news.
Health Chatter
Fake News and Health
You know, I mean... You know, if it's positive, okay, fine and dandy. But negative, whoa, what? You know, it's kind of like... It kind of really hits us more. And I think the news... the news companies know that.
Health Chatter
Fake News and Health
The title Fake News is kind of almost like a tagline that certainly in the political realm has been embraced. But I think it's going to be around. So I think going forward for all of us, we have to discern truth and make healthy judgments based on the information that's given to us.
Health Chatter
Fake News and Health
I think chatting. is good. I really do about this. Yeah. I mean, this is, you know, you can talk about it with your neighbors, your friends, whatever. And so that, you know, together you can come up with it, you know, a comfort level too. So you don't feel like you're doing this by yourself. Anyway, interesting, interesting subject.
Health Chatter
Fake News and Health
We have a great next show coming up and that's going to be on toxic relationship. So stay tuned for that as well. We hope you enjoyed this show. And to everybody, keep health chatting away.
Health Chatter
Fake News and Health
Yeah, and you know, it seems to me that... if indeed you don't agree for whatever the topic happens to be, and we'll get into health in a second here, but whatever it is, if you don't agree, then it's fake. It automatically is, is fake. But, and anyway, all right.
Health Chatter
Fake News and Health
Aaron Collins, Deandra Howard, Matthew Campbell, Sharon and Nygaard are all second to none and really, really help to make Health Chatter successful. Clarence Jones and I do these shows together. Great colleague. And Clarence is involved with his community organization, Human Partnership, who sponsors Health Chatter. And we greatly appreciate that. You can check them out at humanpartnership.org.
Health Chatter
Fake News and Health
You know what I think it is about this fake news stuff? Even if you don't, even if you know it's wrong, I think it, To a certain extent, it's almost like a form of entertainment. You know, when you get to the point where you say, geez, that's totally counter to what I think. God, this is kind of different. And so it's like people kind of gravitate to it because of that.
Health Chatter
Fake News and Health
Entertainment and or trying to maybe get a handle on the other side of the equation. You know, it's kind of like, OK, maybe I should just listen to this, whatever it may be, just to see what the hell's been they're saying here, just so I can I can make. more of a personal judgment on it. But anyway, for our listening audience, here's some interesting stuff.
Health Chatter
Fake News and Health
All right, so what's the difference between misinformation and disinformation? All right, so listen up. Misinformation is false or inaccurate information. Disinformation is is false information which is deliberately intended to mislead. Intentionally misstating the facts. So now I'm gonna link us a little bit with health here. I think, you know, and Maddie and Clarence chime in on this.
Health Chatter
Fake News and Health
I think we were really deep into fake news during the COVID pandemic. And I really think, you know, I'm sure there'll be research on this or information about this coming out, but I think it was detrimental. And I think it hurt us. I think it really, really hurt us. And it got to the point where the public was saying things like, what am I supposed to believe here?
Health Chatter
Fake News and Health
And you can check us, Health Chatter, out at healthchatterpodcast.com for all the different shows. And you can check in on all the research that's done for all of our shows as well. Check us out. Today, fake news. So it's going to be Clarence and I and Maddie are going to be discussing this topic. Boy, I'll tell you, I don't even know when the concept, Clarence, of fake news hit the scene.
Health Chatter
Fake News and Health
I know. It's just like, At what point do you embrace truth as best as you can? At what point do you embrace... as best we can at the time, research and medical science in order for us as the human race to get through as best we possibly can with minimal negative effects. And a lot of that was compromised. It was just insane. So Manny, I want to pull you in on this one. Do you think that...
Health Chatter
Fake News and Health
Fake news really came to be because of all the social media. Do you think that that's what really drove it? Or what do you think, in your estimation, drove this whole concept of fake news?
Office Ladies
The Edge, Pt 2
Yes. The first half of this movie, before they reach the bear, is Lord of the Rings.
Office Ladies
All About Pam Beesley
Sure. I think mine out of many has to be from Dinner Party. It is this.
Office Ladies
All About Pam Beesley
I just found the clip. This is Pam and Jim up on the roof eating pizza.
Office Ladies
All About Pam Beesley
Kudos to you for bringing that up, even though that defaults your entire argument. That's big of you. I wouldn't have brought it up.
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
Oh, wow. Okay. Oh, it has chopsticks too? Okay, describe it. Okay, so it is a glass Christmas ornament. I have a tradition on my tree of only food ornaments. Yes. Are these buns?
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
Yes, that's the word I couldn't think of. Dumplings, yeah.
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
I'll have to total up this year's calories of a tree each year I total it up.
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
It's a 35 millimeter camera. Yes. Oh, this is awesome. Thank you.
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
Okay, good. I won't throw it away. Don't throw it away.
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
Sure. I go back to Milwaukee, Wisconsin, and my brother and I go get a fresh-cut Christmas tree for his family. And there's two dogs at the Christmas tree lot that we always look forward to seeing that are there every year.
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
I think Bing Crosby's White Christmas does it for me.
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
Wow. I believe it also hasn't not been on the charts since it came out.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
This is a CBC Podcast. Hey, Sam here. If you listen to Sea of Lies, I want to tell you about another CBC podcast I think you're really going to like. It comes from a CBC feed called The Con. In The Con, Caitlin's Baby, a woman named Caitlin Braun asks dozens of doulas to help with her pregnancy, only to string them along through an escalating series of disasters.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
It didn't take long for it to spread like wildfire. You got to take a look at this really crazy gold stock. A buddy of mine got in at a dime.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
Somebody knows more than we know.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
That was the first episode of The Con, Caitlin's Baby. All episodes from the series are available now. Just search for The Con wherever you get your podcasts.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
Rape, pregnancy loss, even a coma. One by one, the duelists struggle to support her and grieve with her and even save her life. And then the truth comes out. In the six-part series, host Sarah Treleaven untangles a complex web of deception to ask who Caitlin really is and why she did the things that she did. This is not your average con and Caitlin is not your usual scammer.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
Now here's episode one of The Con, Caitlin's Baby.
Sea of Lies from Uncover
The hidden story of a notorious serial killer — and his secret calls from behind bars
This is a CBC Podcast. Hi, Sam here. I want to tell you about the upcoming season of Uncover, slated to be released next month. It's called Calls from a Killer. It's 1990, and reporter Arlene Bynum gets a collect call. On the other end of the line is Clifford Olson, a man convicted of killing 11 children less than a decade before.
Sea of Lies from Uncover
The hidden story of a notorious serial killer — and his secret calls from behind bars
For more CBC Podcasts, go to cbc.ca slash podcasts.
Sea of Lies from Uncover
The hidden story of a notorious serial killer — and his secret calls from behind bars
This began years of secret conversations, recorded without the knowledge of his prison guards. Now, for the first time, Arlene is sharing those tapes. Here's the trailer for Calls from a Killer from CBC's Uncover.
The Planet Reigate Podcast
41: The Light’s first birthday, a look back at Reigate’s Summer Festival and Horley carnival… and more.
So the headquarters of the Greyhound Trust Charity are in Peaksport Lane, Hawley, since 2022. And at any one time, we've got up to 20 dogs looking for a home. And we'll try and match to an interested family's circumstances. And we also welcome people to volunteer at events such as today, where Johnny and I are at the carnival. Foster families are often needed as well.
The Planet Reigate Podcast
41: The Light’s first birthday, a look back at Reigate’s Summer Festival and Horley carnival… and more.
The two I have at home run around the front room for five minutes but then they're exhausted, mad moment and then they'll fall asleep and you don't hear from them again. They do want to see who comes into the house but they are not in any way aggressive to visitors to the house. The Greyhound Trust have a website which is greyhoundtrust.org.uk
The Planet Reigate Podcast
41: The Light’s first birthday, a look back at Reigate’s Summer Festival and Horley carnival… and more.
Thank you very much, David.
The Planet Reigate Podcast
41: The Light’s first birthday, a look back at Reigate’s Summer Festival and Horley carnival… and more.
Oh!
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
You're okay. It is Anna. Um, so I have a question and I'm hoping that y'all can kind of help me out. Cause I've been thinking about it for a little while. Um, I am expecting to get a raise here soon within the next maybe two months, um, at work. And it's about, I'm hoping like 20,000 extra a year. Um,
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
I'm not certain, though, if I should save that amount every year or use it to pay off my student loan debt.
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
I have about $60. Yeah, I have about $65,000 of student loan debt that I just accrued here recently going back to school to get my master's. And it's just me and my kids. I don't get child support. How many kids? And I have three. Okay. One, my son is, um, 19 though now. And so he's, um, wants to go to school. That's a whole nother situation and needing a little bit of money for that.
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
But I guess my question is just, should I save that extra 20 a year for me and my kids just like for security type stuff? Or should I, um, just use it all to pay off this student loan debt. Cause I don't want it to go from 65 to $200,000.
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
So I make about $4,000 a month. It's about $60,000 a year. Okay.
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
Okay, great. And I already have the emergency fund, and I even have about $30,000 in a CD account that I put up whenever I sold my house last year. So I have that saved.
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
Hi, thank you guys for taking my call. You bet. I am new to the Baby Step, and I was technically on Baby Step 2, but I left an abusive relationship And I'm going through a custody battle right now, so I've incurred additional debt for attorney fees. So I'm trying to figure out my next steps going forward.
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
Should I pause making additional payments towards my debt and just work on saving money for additional attorney fees that might come up?
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
Um, so going on two years, the first part was when he tried to fight the restraining order. So that was the first time I took on attorney fees. And then now, you know, he was, he was in jail for a bit for violating the restraining order, but now he's out and now he's trying to come for full custody. Oh my gosh. How many kids do you have? Luckily I only have one. Okay.
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
Um, so I currently rent and I am safe. Um, luckily I'm with family and I make about 52,000 a year. Um, but my debt went from, I got it down to 12,000 and now it's back up at 20. So.
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
No, so about $10,000 of it was attorney fees, $6,000 was about credit card, $3,000 about student loans, and then about $2,000 left on my car loan. Okay.
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
So I was able to pull from like 401k to kind of help with this because it was so, I wasn't expecting it. You know, I thought after the restraining order was standing that that was going to be it. So I wasn't expecting this. So I was able to get a little bit of help through that. But of course, I want to pay all of this back as quickly as possible.
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
But my biggest fear is I don't know what's going to happen three to six months from now to the next year as well.
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
No, no, because we're still waiting on mediation. And then more than likely that nothing's going to happen in there because my ex is of course he's not going to agree to anything.
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
Yeah, they think so. Because yes, he comes from money. So he knows that I would do anything to protect our daughter. So he knows that I'm willing to, you know, figure out ways to get the money because he knows I'm not going to represent myself. I'm not in a position to do that, you know, emotionally and,
The Ramsey Show
Your Overspending Will Eventually Catch Up With You
So I pay about $296 a month for the car.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
Hi. I guess it's like a two-part question. So my husband just finished building a house for us.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
We saved up a lot. Pretty much. He did 90% of the work.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
Well, about like four years ago, I gave him this idea that I wanted to sell the house we had. His family had land. It didn't work out that way. We sold the house. We bought a piece of land near his family and had a really old trailer on it. We lived in that trailer for two years while we saved up about $20,000 before we started building, but we also used $40,000 to buy the land.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
Yeah, sorry. So that's all we had up until January for debt is our mortgage. It's $190,000. That's all we have. In January, I totaled my car. Oh, no. So... Yeah, it sucked. I hit a deer. Um, so it paid off my loan. I ended up getting two grand. I was, you know, I was on top of it. So that's not the end of the world. My husband hadn't had a vehicle loan in the five plus years or whatever.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
So he went out two weeks after I totaled my car and bought himself a $33,000 truck. So I'm just wondering where to go from now. I got about $6,500 in the bank for savings. And I'm just wondering... And you don't have any car.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
Well, nope, nope. We have cars. They're just a matter of beaters at this point and his nice truck. So we kind of just bounce between his nice truck and the beater to get me to work right now.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
We have three cars total. He has his old truck that didn't have a payment. It's in rough shape, but it does the job.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
Then we have an older car, and then we have the newer truck right now. So we have three vehicles, two of which are paid off.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
I'm good. Good. I guess my question mostly surrounds finishing school and my career in the future.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Yeah, right now I'm about 16 credit hours away from getting my associate's in business.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
But I'm not taking any classes this semester.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Yeah, I'm working quite a bit of hours. I work every day. And by the time I actually, in truth, by the time that I was looking to sign up for classes this semester, all the ones remaining for my program were booked up.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Yeah, I'm a manager and coach at a gym.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
It's tough. I'm kind of at the ceiling. Of this stuff, the only kind of way to go up would be owner, equity owner.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Yeah, I'd love to either have some sort of remote work in a field that I really enjoy or I'd really like to get into real estate investing and kind of manage that.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Um, I guess I really just want to make my friends and family happy and spend time doing things that I enjoy. I know you're a sweet young man.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Thank you so much, Karen. Yeah.
The Ramsey Show
Don't Chase Money, Chase Freedom
Here's the thing is that I bought a quadruplex in L.A. last year, but it's fully owner-occupied, so I couldn't. That's fine.
The Ramsey Show
Don't Chase Money, Chase Freedom
Well, yeah, I mean, you're right. Yeah, I am right. Mm-hmm. The whole reason why I've been working is I just want this house that I've been looking at for years, and that's what I'm truly going for.
The Ramsey Show
Don't Chase Money, Chase Freedom
Yeah. What is it? So me and my girlfriend have been together since middle school, and we've done all the... Why is she hanging out with you when you still live in your mother's living room? I mean, she tells me the same thing. I'm not sure. I hear it all the time.
The Ramsey Show
Don't Chase Money, Chase Freedom
Good. Good morning, guys. Thank you for having me on the show.
The Ramsey Show
Don't Chase Money, Chase Freedom
Yeah, so my name is Samuel Baron. I'm 26 years old. I've been following your principles since I was a teenager, about 18, 19. Your advice on living debt-free and investing has helped me build a $5 million net worth at 26. Way to go.
The Ramsey Show
Don't Chase Money, Chase Freedom
Thank you. I have a big question, and I'm really confused on what's next. So I made my first million at 22. I invested all my profits I made. I still live in my mom's living room, and I eat McDonald's and Chipotle every single day, which isn't the best. But my question is, what's the meaning of life when the money game feels solved?
The Ramsey Show
Don't Chase Money, Chase Freedom
Is it about starting a family or buying the dream home that I've been looking at for the past eight years, or is it something deeper? Good for you.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
Well, I'm doing good. Thanks for taking my call.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
So my husband and I currently are doing the financial peace program, and we're trying to pay off debt. My husband is an Army veteran, and he is now an owner-operator semi-truck driver.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
He went to buy a new truck at the beginning. He's planning on doing one this year, and they looked at our credit, and our credit, they said, was too bad for him to get another loan for another semi.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
But this has me terrified because all we have is $1,000 in savings as we're trying to pay off this debt. And if that truck does break down... Sometimes to get it back over the road, you drop $40,000 to get it back over the road.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
Thank you so much, Dave and Ken, for taking my phone call. I really appreciate your time. Sure, what's up? So I have a bit of an interesting question. I am trying to figure out how to navigate graduate school as a non-traditional student.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
So I am a bit ambitious in that I want to do a combined MD-JD program.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
So about a year ago, I did a... I volunteered for the county and I was working with amazing defense attorneys and I love the work so much. Um, I didn't realize how much I was going to enjoy it. Um, so I started assisting them with case files and I mean, when I came home, I was just super excited.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
Before I wanted to be a lawyer, I was pretty headset on becoming a doctor. I currently have an associate's degree in psychology, and Just a little bit about me. I have two children. They are both in elementary school. And I do work full time. I work from home. So that has been really helpful with navigating school. And I will be starting my bachelor's degree here in the fall.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
And currently how that's going to be paid is 60% of it is going to be grants. 30% of it is going to be scholarships through the university, and the rest of it will be paid for.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
So I currently work for a hospital here nearby, and I would love to continue working for them. I just thought that as far as working in their legal department, that it would be really beneficial for me to have a medical background as well. Not at all.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
So, my wife informed me a couple weeks ago that she was $23,000, $24,000 in credit card debt without me knowing over the course of the last year. And I was wondering what would be the best way to pay it off. We have a couple options. I got lucky. Rather be lucky than good. I won $36,000 at the casino.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
But that money, about a month ago, and I already had that money tied up in money market because I'm using that for the down payment on my next home. We could cash in her 401K, which has $25,000 in it, and pay it off. Or do we just kind of suck it up and just make the payments and just pay it down month by month?
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
I just wonder what the best option would be to avoid the interest payments and everything like that. Yeah.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
We have been married for a year and a half now.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
A year. It started basically when my son was born a little bit over a year ago, and it was just online ordering, stuff like that, three different credit cards, going shopping kind of thing, and I never really noticed that we have separate finances, and I never really noticed it because we don't have any debt other than our house. So how's that working for you?
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
Oh, it was working fantastic up until a couple weeks ago.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
I don't gamble that. I, that was the second time I had been with the casino in five years.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
Oh, we just did. We just did it. We just did it on a whim basically.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
Hi, Dave. Hi, Jade. Thanks so much for taking my call today. I appreciate it.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
Okay, so I've got, it's a complicated situation, but I'm going to try and simplify it as easy, as best as possible for you guys, so I can just honor your time. So basically, I have, I'm completely debt free. I've never had any debt. I'm very thankful to you for that. When I was 18 years old, I took FPU before I went to college.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
And actually graduated fully debt free. And so it was the best decision I ever made. So never known any debt. I have a fully funded emergency fund. But about a year ago, I was given a sum of money from a family member.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
Um, now the sum of money that it was, that I was given, it was kind of given with the pretext of the reason why they had this money was for a wedding or maybe to invest into, to give me, to give for like my first property that I would own. But since kind of none of those things had happened, they decided I'm just going to give it to you now. Um, and I want you to do something with it.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
So in regards to like investing or et cetera, et cetera. How much money is it? My problem is, So it was $20,000. Okay, cool. That's awesome. Yeah, so I guess my next issue was more, I kind of don't know what to do in the sense of, I don't know much in regards to investments.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
And since it was kind of sprung on me, especially I think with the attachment of going, it was going to be for maybe a wedding or maybe a house deposit, but that kind of hasn't happened. Do you not own a home? Are you renting? I don't, no. You're renting?
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
Well, I guess that's part of my question of just going, is that the best thing to do? Because I actually have no problem with it. I think what I've been struggling with is because from this family member, it was kind of given the I'm giving you this money because I want you to do something with it in regards to investing it rather than it just sitting in my bank account doing nothing.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Do you feel a difference in that? I'm actually selling my beloved car.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Yeah. Well, and he has offered. He even said, like, let me sell the truck. I'm just a little, I would feel really bad. I would.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Cause he'll have his, um, paid off in like two years, maybe max cause he works a lot of overtime, but I'm going to probably be in this like three, four years if I'm lucky.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Um, student loans is a hundred. I have the car for 38, which I'm going to let go of. And, um, I have a consolidation loan for some credit cards because I was living above my means for a little while.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Yeah, so I can sell it privately for $46,000 or $47,000, but again, I owe the bank $38,000. Great. And you'll use the difference? Yeah, I'll put it towards that consolidation loan.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Actually, no, because I work from home, so I can either borrow a car from my parents, which it's already paid off. It was my car before. It's in my name still. Or we have a... Would it be borrowing or they give it to you?
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
No, it'd be fine to borrow. They don't need it. It just kind of is there for when they do. Okay. I can use that or, you know, if he keeps his new truck, he does have a beater that he drives to and come work. Yeah. Oh, I just had him get rid of a car that was almost as old as me. Wow.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Hi, thanks for taking my call. New listener as of about a week ago. And my question is, should I be paying off all of my debt prior to starting to save for a down payment? And if yes, should we just keep renting?
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
I think my future fiance, we're going to be engaged soon, will be ready to kind of buy land or a house before I am if I do have to wait till I get all of my debt paid off because I have quite a bit.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Um, so I'm just starting to pay it off because I just switched from a W2 worker to a 1099 like consistent contract. Um, so I was making, I'm making enough, but like to make all my payments, everything's current. Um, but I just haven't been able to get out of it because I was living above my means for a little while. How much is it? I, I have 160 myself. Um,
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
He was debt free, but he just got a truck. So he's got about 50. He makes more than I do. I make 85 and he makes 138 a year, but he also does some side jobs. So that's kind of like his base.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
No, but we do live together and we split our rent and expenses pretty evenly.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
So we have had those conversations. I'm kind of bullish on it's my debt. Like even though we're going to be married, it's my problem to solve. And you're right. He's offered to like, yeah, he's offered to like, um, pay additional like money towards our rent to help me get more of my debt off my plate. Um, and we're, we are aligned, but at the end of the day, like if he wants a truck and, um,
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
he can afford it on his salary.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Yeah, I come from separated parents and that like wasn't a great financial example. So I'm like trying to make sure if we do buy a house, like I have skin in the game and like it's not just all on him. So it's just been he's very good and we have healthy conversations about it. I just feel like guilty about it.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Oh man. The car is like 21 K. I bought it for a very, I think Dave will appreciate this. Um, So, like, I'm 29. I have an online business, and I bought an Alfa Romeo because it was the coolest car you could get under $30,000. Love it.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Yeah. So, all in taxes, I had no down payment. It was about $33,000. So, that's the loan I'm paying off. Okay.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
I think I can get a little more for it. I think I might be able to get like $24,000 or $26,000.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
like you got to sell it do you have any money saved no i can get some money this month though i mean the income's good yeah you gotta find you gotta find at least ten thousand dollars so you can get out of this and get yourself a little beater car to drive around until you can save up for a better one so yeah but is that is that you know here's the reason i bought this car it's the coolest car under 30k and what do you make no it doesn't matter how cool it is what do you make
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Well, I'm $9,200 a month consistently for two years. The last Q4, I was paying myself about $14,000 a month. Really going overboard with the whiskey and the oyster.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Well, I have a pretty unique situation. So honestly, if I made $1,200 in a month, I would be perfectly fine.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
So I actually built my own home on family land. I... I have my own water system, so no water bill. I pay for electric, which never goes over $100 a month. Okay.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Hey, just quick and get right to the question here is, Do I take equity, like refinance and take equity out of my home in order to pay for HVAC upgrade that is needed for my home?
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Okay. So, um, so kind of background just recently found you guys like the Ramsey show and everything. Um, so I've been, been diving in and trying to see what, you know, the baby steps and where my wife and I would be in that. So we don't have any other debt other than our mortgage.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Um, cars are all paid for, um, everything like that. It's just our mortgage. Um, we have like $350,000 in equity in the house. Okay. Um, but we just recently found out that our HVAC system, um, is pretty much we're lucky it's still working. Um, and we're not sure how much longer it's going to work.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
So we're just out in a rural area. So it's kind of just the one guy that could come and give us the quote on it.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Yeah, it's a pretty consistent price with everything that I've looked at.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
We have, I think, just about $1,000 in our savings, and that's just about it.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
So we bring in, it fluctuates a little bit just because of my wife's work hours, but we're usually north of $4,000 a month. Okay, north of $4,000 a month.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Insurance on the land? Yeah. Oh, the property taxes were $1,300 for the year.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Yeah, it would have to replace the entire unit.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Yeah, legal, essentially, yeah. So it's about 21 years old, so it's at its life expectancy. Yeah, but let me ask you this.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Um, potentially it's just a matter of, um, you know, is that, you know, how much are we going to end up having to replace, you know, kind of cost, you know, is it going to spend, are we going to cost more in the long run trying to piece things back together as they go out?
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
I can't remember if it's that one or if it was the one before it. Oh, boy.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
So I came over here and I built my house and then I was doing like wellness coaching and
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Hey, how's it going, guys? Good. How are you? I'm good. Good. So I'm just about to graduate from my undergrad in criminology. Thank you. Thank you. Thank you. Thank you. Thank you. Thank you. Thank you.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Doing what? And I was managing staff, teaching yoga.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Um... I guess it would be around 50.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Thank you. Thank you. Thank you.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
,,,,,,,. P P P P P P PG實實 , , , , , , , , , , , , , , , , , a
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
,,,,,,,, P P P P P P G實實實 , , , , , , , , , , , , , , , , , , P P P P P P P P P P P P P P P P P P P P P P P P P P P P P P P P P P andGGG� generàggggggggggggggggggggggggggggggggg ,G ,G ,G ,G , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , a a a in a
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
,,,,,,,, P P P P P P G實實實 , , , , , , , , , , , , , , , , , P P P P P P P P P P
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
, , , , , , in P P P P P P P P P實 , , , , , , , , , , , , , , , , , , , , , , , , a a a a ch P P P P P P P P P P P P P P P P P P P P P P P P P P P P P P 100GGGGG informG informG informG informG informG informG informG informG informG informG informG inform g ,G inform g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. g. ac G. g. g. g
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Hey, how are you doing today, guys?
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Not much. Hey, so I'm basically 40 years old, and I worked very hard for the last seven years, and I paid off my mortgage. Yeah. Wow. Yeah, on my forever house, too, so I don't need to do any kind of movements or anything like that.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Yeah. Yeah. It was something I wanted to do. My wife, uh, she just supported me through it and, uh, we're on the other side now, which is great. So new things. Um, so now, you know, I've always not really spent a lot of money. I, I, you know, I, I do very well in my career, but I don't live that way. Um, I got two cars, um, that are both owned. Um, and,
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
one needs to be replaced in maybe a year or three you know but uh so some upcoming expense there now i've never been into the the investment part or anything like that but now that i got my house paid off i need to start looking at how does my money work for me absolutely because i've always been working so hard on getting it so i'm not paying somebody else money to borrow money
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Um, I don't know, do I start looking at, you know, maybe investing in a house and maybe making, renting it out and paying that mortgage myself to maybe make that only a 10 year, um, mortgage. So then in 10 years,
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
that's free money to me every month or do i start dabbling in investments like i heard a lot well i've been doing ten dollars uh uh every two weeks for the last two years because all my friends talk to me about it and what did that what are you at now what's your nest egg I'm at $6,000 now.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
No, the only thing I have is $30,000 on my HELOC, which is a pool, which I'll have that done in a couple months.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Well, for easy math right now, I'm paying the pool $1,300 every two weeks to the pool. On top of when I get commission checks, I just throw those towards it, right? But that's easy to switch over to investments in two months' time.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Oh, I can do more because that does not even include my commissions that I get every month on the first paycheck of every month.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Gross. Well, I make like 340K a year Canadian though. And then, but like, you know, we get, we get taxed and I get taxed pretty highly. So I take home about half of that.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Saturday. Everything's closed on Sunday.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Yeah, I can make my budget however I need to make it.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
okay okay so you can see that's just the starting point so if you add beyond that you know you could be doing really really well but it's just to say like listen it's not too late at all but you've really got to be diligent about this and that's not a problem at all right so with no mortgage that that makes that very easy to achieve right yeah exactly um so and when when you talk about investments like i said when i was paying off my house everybody was calling me crazy because i should be investing that money
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
And so I started doing $10 here and there and just kind of learning. You can't make money buying and selling day trading. I learned that. You're right. On the cheap, which was my whole reason of only doing $10. Now that I'm doing larger figures, you know, the thought I have is that I always hear about the S&P 500, which I have a little bit in that.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Is that where I really should be kind of focusing my investment?
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
We have RRSPs in Canada.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Yeah, so my situation is that I had a business fail a while ago. I was on the job search for quite a while. Couldn't find anything. I'm actually in a rural area outside of Cincinnati. So I applied to get into a trade union, the electricians union. And I got in and I'm waiting on a job call. Um, and as soon as I get into a job, I should, you know, theoretically be okay.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Well, here's what happens. If you're an idiot and you buy a brand new truck with an unstable income, it's shiny.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Hey, guys. So I wanted to know if you would honestly recommend that I start with a $1,000 a month emergency fund plan. and why after kind of reading you off some stats here. So I have a 30% interest rate on a $33,000 car loan. I have 9K in back taxes owed, 5K in credit card debt, nothing. My ex-girlfriend has 50K in credit card debt that I kind of want to help her out with. Your ex-girlfriend?
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Yeah. Unfortunately, yeah.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Well, you know, it was a six-year relationship. I lost her last Q4. I was pushing myself too hard, finally burnt out after about 10 years of extremely hard work. And I just feel responsible for a lot of that. I'm sure some of it's mine. I'm sure a good bit of it might be mine.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Well, we worked together, you know, like it was a, like she would help out with, like, I don't know. I think someone, I think my car insurance, for example, is on the credit card. Things like this, right?
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Um... Well, not really, no.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Yeah, well, I love her.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Well, so listen, there's too many to count. I'm writing letters about every day. Oh, I'm sorry.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
It's a hard situation. Look, I know that's the biggest debt, but this 30% interest rate on this $33,000 car loan is really bugging me. I didn't know what that meant when I signed the contract. I thought it meant 30% of the... car's value in total. I didn't know that that was like appreciating. I didn't know that that was every year it goes up.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
No, no, no. It's 30%. And it's an Italian car. Oh, okay. Like you see it break down.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
But I have no idea when that job call is going to happen. And I'm up to my ears in debt. I'm about to not be able to make,
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
Yeah, is that where I start or where do I start here, guys?
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
I'm a new listener. Yeah, you guys are on my YouTube shorts.
The Ramsey Show
You Need To “Happen” to Your Life Instead if It Happening to You
After that... So number three is three or four...
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
Good, good, good. I do have a, I've got a question. It's in regards to my 401k. So I have a 401k from a previous employer with about just a little bit shy of 500k in it. Haven't worked for them for about five years. But my question is, I'm thinking about possibly rolling it into a Roth IRA to avoid the taxes when I retire. And I'm just kind of wondering what kind of tax penalties am I looking at?
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
And is it even worth doing at this point?
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
Well, it's kind of half and half. So I've got traditional 401k, and then the other half is straight company stock. So, I mean, the return on that stock has actually been really good. Last year alone, I've reaped a 25% increase in it just because of the stock split that we've actually had.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
No, I could definitely cash it out. Okay.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
And I'll just have to pay taxes after or when I get ready to retire as I withdraw, correct?