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HotTakes With The Murphman Episode 55 -Build Wealth in Your 20s: Beyond Budgeting · Military Broadcast Radio | MBR Talk

• 0:04
  When light gets real, the mic stays warm.
• 0:07
  We'll stand by the dad. We'd like to shine inside a shot
• 0:13
  and in a spider lands already in the shocks online.
• 0:28
  Hot takes We'll talk Keeping it True from the high school halls.
• 0:35
  The podcast kills Live on the line.
• 0:39
  Turn it off. Your show is hot.
• 0:40
  Grab your coffee. Let's get into it.
• 0:44
  No children, no fuck. Just we'll talk.
• 0:50
  Let's do it. Here we go.
• 1:04
  Welcome to Hot. Welcome to Hot Takes with the
• 1:12
  Murph Man. I am the Murph man coming to you
• 1:13
  live here from Porter Studios in El Paso, TX.
• 1:16
  You're my Co host, Connor. How are we doing today, Connor?
• 1:19
  Doing good today my friend, how you doing today?
• 1:21
  I'm doing pretty damn good. It's October 3rd, Mean Girls
• 1:25
  day. Yep, I'm not a mean girl, but
• 1:29
  I'm just mean. Yeah.
• 1:31
  So have you ever seen Mean Girls?
• 1:33
  Nope. Oh man.
• 1:35
  Never. It, it, it's a, it's a movie you
• 1:37
  might want to watch one day. You know it.
• 1:39
  It's a pretty good movie. But I will tell you this, if you
• 1:43
  watch it, I guarantee you there's going to be a sequel to
• 1:46
  it at some point, if there hasn't been already, because
• 1:51
  everyone wants to know what happened to them when they grew
• 1:53
  up. So I don't know what's going to
• 1:54
  happen with that. And also got to tell you, I have
• 2:01
  been working with the local business and I'll be starting
• 2:05
  hopefully doing trivia every Friday night with them.
• 2:09
  And then Christmas is coming. I'm going to be doing a bunch of
• 2:11
  events at the dance hall. So I'm going to be pretty busy.
• 2:14
  I cannot wait for that to happen, you know, And I said,
• 2:17
  you know, maybe you want to go help me.
• 2:18
  And you're like, I don't know. Yeah.
• 2:22
  Yeah, the podcast enough, Yeah. So how's everyone else doing?
• 2:26
  I hope everyone's having a wonderful day here.
• 2:28
  Y'all ready to get the show started?
• 2:30
  Yeah, let's go ahead and unite the fuse.
• 2:40
  Today we are talking about managing your income and wealth
• 2:43
  growth in your 20s. Budgeting is the baseline
• 2:47
  foundation, but true financial independence is built through
• 2:50
  intentional daily habits. This episode helps you move from
• 2:54
  surviving to thriving by automating savings, crushing
• 2:58
  debt, and setting long term goals.
• 3:01
  Murph, man, take the mic. That's right, budgeting is the
• 3:05
  baseline foundation. But true financial independence
• 3:07
  is built through intentional daily habits.
• 3:10
  That is, we're going to be talking about today.
• 3:13
  You know, money and wealth don't come unless you win the lottery.
• 3:18
  Luckily, right. You got to do something.
• 3:20
  Even though the lottery, you have to buy tickets.
• 3:22
  Yeah, Right. Is the lottery a good way to
• 3:28
  plan for your future? No.
• 3:32
  No. And if you get the lottery, for
• 3:34
  how many years do you get your payments for, do you know?
• 3:37
  No. I think it's 30 years, OK, with
• 3:40
  every year going up in payments. But yeah, if you're spending to
• 3:44
  win the lottery, to be rich, not the best idea.
• 3:48
  You agree on that one? Yeah.
• 3:49
  All right. And then let me tell you this.
• 3:54
  Gambling, gambling and things of that nature, you know, people
• 3:59
  expect to turn it rich. And the only way I know in
• 4:04
  gambling, it's not guaranteed money.
• 4:07
  OK, but the only way you're going to break even is on
• 4:12
  roulette, betting red or black. Now you can bet green, I'm
• 4:16
  sorry, it'll hit green and you lose.
• 4:18
  But if you keep doubling your bet, they'll give you from $1.00
• 4:21
  to $2.00 to $4.00, whatever. You're going to eventually hit
• 4:24
  the number, you're going to win your money back.
• 4:26
  Does that make sense? But sometimes it does have a
• 4:29
  bankroll of several thousand if you want to really, really play
• 4:32
  long if it doesn't come right. And what I like about that is it
• 4:37
  gets you your points and your loyalty points and all that
• 4:39
  stuff, you know, while you're playing.
• 4:41
  But once you win, you're even, you haven't won yet.
• 4:45
  Does that make sense? You haven't won.
• 4:48
  So when you gamble again, you might win again, right?
• 4:57
  But you don't want to go with the same amount that you're back
• 4:59
  at 0 and you go back up into you when your money double again.
• 5:03
  And then we can try one more bit bet in one.
• 5:06
  If you win that you're now ahead.
• 5:09
  But you only had one, one tip. Whatever.
• 5:12
  The one tip is still something. Well, I well, yeah, I don't, I
• 5:15
  know you don't play with it, but you can actually say because
• 5:17
  what you do is everyone puts their chips on the table.
• 5:19
  You've seen that they give you different color tips.
• 5:22
  So you know what chips are yours.
• 5:24
  OK, so when you get it by a chip, you can say these chips
• 5:29
  are worth a dollar, five dollars, $10.20, whatever their
• 5:31
  their their chips are. So when you're betting one chip
• 5:35
  is still equal to that amount that you set up.
• 5:38
  So what they do is on their table, they put a little chip on
• 5:40
  top that gives the number 1510 whatever, right?
• 5:43
  But not one, it's obviously one, but it's 510 multiples of that.
• 5:46
  They have these little chips to put on top of your stack.
• 5:49
  So when when they're working with the color, they can say
• 5:51
  that color has that much on each one, you know, so, and we
• 5:55
  trained and gives you so it's, it's I like roulette.
• 6:01
  It's a random spin one out of 36.
• 6:03
  You know, that's not really good odds.
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  And then now they have 00 and 000 that make it even harder to
• 6:09
  play. So don't ever play double or 000
• 6:11
  If you play roulette, only bet red and black.
• 6:14
  That's my advice. If you're up a lot and you want
• 6:17
  to bet a little bit on a number here or there, go ahead tip the
• 6:20
  dealer 2. Why?
• 6:22
  Because they can make the ball and where they want.
• 6:27
  I'm I'm sure they can. If they're really good, they can
• 6:29
  do that. If they've been there a while,
• 6:31
  they definitely can do it. If they're just, you don't know
• 6:33
  if they're just starting off right.
• 6:35
  But anyway, I digress. Before we get to the show, I do
• 6:37
  want to say Connor and I are both father and son.
• 6:45
  We're a duo here that we just talked about different subjects
• 6:49
  that come to mind during the show.
• 6:51
  Today's episode is going to be about investing in your future.
• 6:55
  But like right now I just talked about gambling.
• 6:56
  So we do that. And sometimes we get off
• 6:59
  subject. We just, we have ADD, what can
• 7:01
  we say? All right, let's just be aware
• 7:03
  of that. And whatever our opinions are
• 7:04
  there our opinions alone and no one else is right.
• 7:09
  Yeah, yeah. Your opinion.
• 7:10
  In my opinion, we don't, we don't rehearse this.
• 7:12
  This is fully live, so stay tuned.
• 7:16
  Let's get to today's burning question and get started.
• 7:27
  Today's burning question is what is the most powerful tool for
• 7:32
  building wealth? Option A Getting a high paying
• 7:36
  job. Option B Winning the lottery.
• 7:39
  Option C Starting to invest early.
• 7:43
  Option D having a good credit score.
• 7:47
  The heat is rising. Let's fan the flames.
• 7:53
  Fan in the flames. Fan in the flames.
• 7:56
  OK, you know that. 'D be funny.
• 7:59
  We had a fan back here and we just turned it on, right?
• 8:02
  No. No, we have a fan above us.
• 8:06
  We don't need a fan. Well, true.
• 8:08
  And actually Speaking of the fan above us, we're getting to the
• 8:11
  time we don't really need a fan anymore.
• 8:14
  How do you feel about this? Well, I I did it again.
• 8:19
  Hold on, Connor. It was no, well, we're talking
• 8:22
  about, I haven't even addressed the slide.
• 8:24
  I just started joking right away.
• 8:25
  So let me let me get to the slide so we can discuss that
• 8:28
  again. OK.
• 8:29
  Because I mean, you know, we we want our listeners to know where
• 8:32
  we are and then we can read the jokes about the weather later,
• 8:34
  Right. OK.
• 8:35
  OK. So what's the most powerful tool
• 8:41
  for building wealth? Getting a high paying job,
• 8:44
  winning the lottery, starting to invest early or having a good
• 8:46
  credit score. I would say having a good credit
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  score. Oh, you think that's going to
• 8:52
  help you invest? I mean, you know, get rich a
• 8:54
  good credit score. That's only when you're
• 8:56
  borrowing money. I mean, it could give you a bit
• 9:00
  more opportunities for stuff. It it does, I'm not going to lie
• 9:04
  about that. It definitely does.
• 9:07
  And you're not going to mean debt, so you don't need to take
• 9:08
  loans. But that's the point.
• 9:11
  If you're investing early, which is C, right, you're investing
• 9:16
  and you're not having to borrow money put on credit cards.
• 9:23
  OK, we already had that whole thing.
• 9:25
  We'll talk about that more in depth later.
• 9:27
  But when when you're investing, it's the income you have that
• 9:34
  grows credit gives you credit cards.
• 9:38
  Now, if you've seen TikTok, they say like Elon Musk has $1.00 of
• 9:43
  income a year, right? He's a trillionaire or whatever
• 9:47
  he's going to be. Now he borrows money against his
• 9:51
  stock. It's not real money.
• 9:53
  That stock can go up or down. So his value can go up or down,
• 9:57
  you know, and they'll bank on him, they'll give him money and
• 10:00
  he uses that instead. But he he doesn't spend any of
• 10:04
  his own money, so to speak. So I want to get that rich or,
• 10:11
  or just your name, you know, gives you that.
• 10:13
  And what's funny is they give a good example of this in an 80s
• 10:16
  movie or early 90s called blink check.
• 10:19
  I don't know if you ever, I know I've shown you the movie.
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  It's a little kid, a little like, you know, 1213 year old
• 10:24
  kid, maybe not even that old. And he finds $1,000,000 check or
• 10:31
  blink check. I should say it's built his
• 10:32
  blink check. It's a blink check, right?
• 10:37
  And he goes around to places. Oh, I lie, it is $1,000,000
• 10:41
  check. He goes around to places and he
• 10:43
  says, I want to cash this. No, we'll lend you the money
• 10:47
  because you're obviously can pay it.
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  And he goes around, he rents a house, he throws party.
• 10:52
  He, he, he lives like a millionaire for it.
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  Then, you know, at the end, the gangster who lost the check
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  comes and finds them. But he didn't own any of that.
• 11:00
  None of that was his money. They gave him all that to make
• 11:05
  payments on because he showed the check that he said, oh, I
• 11:07
  can obviously afford to pay this if I choose to.
• 11:09
  Does it make sense? Because so if I have $1,000,000
• 11:14
  in the bank and I go to the bank and say hey, I need a home loan
• 11:17
  for 200, then I'll be like, oh, he has the money, let's give him
• 11:19
  the 200. If he doesn't, he can't pay.
• 11:21
  He'll just take it out of the money that he has.
• 11:22
  And that's where you make the payment.
• 11:24
  Whatever, right? So having the money saved does
• 11:28
  help you in the future with credit.
• 11:30
  OK. Also, I mean the money in the
• 11:35
  bank, it's only federally insured up into 250,000.
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  So you have to split the accounts when you make over
• 11:42
  250,000, OK, If you want to have the have it insured by the
• 11:47
  government. Now if you're on time or one of
• 11:51
  these banks online doesn't mean that they're not strong, OK.
• 11:55
  But if they get bought out or they go under your, your
• 12:02
  interest rate and everything could change.
• 12:04
  Like right now my business account is bought up by a bigger
• 12:07
  bank, a more established bank. So that, that, that's cool for
• 12:11
  me because I get more services available to me, right?
• 12:17
  So sometimes it, it works in your advantage if you have one
• 12:19
  of those online accounts or not. But you also want to be careful
• 12:23
  with where you invest your money and where you put it for
• 12:25
  savings. You know, if you have $3,000,000
• 12:28
  and you lose $3,000,000 that that's a lot of money right, to
• 12:32
  get back only 250 for that. So there there's some accounts
• 12:36
  that will will give you more availability, more insurance,
• 12:39
  but there's a risk on the reinvesting like that even in
• 12:42
  banks. So just be aware of that.
• 12:46
  All right, let's get to today's hot take and find out what's on
• 12:49
  my mind. Today's hot take is this There
• 13:01
  is no such thing as good debt in your 20s other than a reasonable
• 13:05
  mortgage or a necessary education loan.
• 13:08
  Using credit to finance wants, even if you can pay it off, is
• 13:12
  financial complacency that robs you of your most valuable asset,
• 13:17
  the discipline to delay gratification.
• 13:22
  That's right. The discipline to delay
• 13:23
  gratification. OK.
• 13:25
  That's probably the hardest thing to do when you're trying
• 13:27
  to save money is go out and do that, OK?
• 13:33
  Because when you're there, you want to buy something
• 13:38
  immediately, you're not really thinking of the expenses or
• 13:40
  incurs, right? I'll tell you what.
• 13:42
  Let's go, let's take a quick break and when we come back,
• 13:44
  we'll talk about these things in more detail.
• 13:48
  OK, you ready? Yep.
• 13:51
  Let me see, where am I? It's time for a break.
• 13:56
  Hot takes with the Murph man. We'll be right back.
• 14:00
  We came. In yeah, that's came in again.
• 14:03
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• 14:06
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• 15:01
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• 15:13
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• 15:23
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• 15:26
  Let's work together to make 22 zero again.
• 15:29
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  Together, we can ensure every veteran finds the support and
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  hope they deserve. He can't say oh but he still
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  feels off season that on the TV about a dog batting soon.
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  So he goes one day and he picks it up.
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  Never thought a dog could bring so much love
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  hands. We will do everything we can and
• 16:35
  and to make 22 zero again. Before we get back to the show,
• 17:01
  we pause for something that matters to me deeply.
• 17:04
  I was inspired by Ryan Spencer's song Make 22 Zero.
• 17:08
  Again, I'd like to remind you that help is always available
• 17:12
  24/7 365. If you ever feel you need
• 17:16
  support or are in crisis, call 988 and press one or text
• 17:22
  838255. There will always be someone
• 17:25
  ready to listen. Remember, you are not alone.
• 17:29
  That's right, you are not alone. How's everyone doing coming back
• 17:34
  from the break? I hope everyone's doing well.
• 17:38
  So let me tell you, we have a thought that today's hot take
• 17:46
  that we left off on and I want to get back to that, OK?
• 17:50
  There's no such thing as a good debt in your 20s other than a
• 17:53
  reasonable mortgage or necessary education loan.
• 17:56
  Now read that, Connor, a reasonable mortgage, right?
• 18:03
  Say you used to get a job coming out of college making 80 to
• 18:06
  $100,000 a year. You have 0 bills right now,
• 18:09
  right? How likely are they to give you
• 18:11
  a home loan? A good chance.
• 18:14
  A good chance you could get a four to $500,000 home loan
• 18:18
  coming out of college. Why do you think that would not
• 18:23
  be a good idea? I don't know, I don't know.
• 18:31
  You don't know what about you're starting a career.
• 18:35
  What if you get a job and you don't like and you quit?
• 18:37
  You're not got the money for the house.
• 18:40
  What if you do really good in the year or two, you get hired
• 18:44
  somewhere else and you're making more money.
• 18:46
  Now you have to make the payment on that house or sell it or rent
• 18:49
  it, which is not always the best idea for a house that big,
• 18:51
  right? OK.
• 18:55
  You could also incur more debt, like we have the school loan.
• 19:00
  OK, Right now your payments going to be 250 when you get out
• 19:03
  of college a month for 15 years, that's with one loan of 9000.
• 19:11
  If you get other loans right, imagine how big your payment's
• 19:16
  going to be. So you don't want to get into
• 19:19
  debt really big. If you want to buy a house, buy
• 19:21
  a small 150 two $100,000 home just for you.
• 19:23
  You got no family, got nothing, right?
• 19:26
  You get out of college, get a small, you can get an apartment
• 19:29
  and not have to worry about paying rent.
• 19:30
  When you leave an apartment contract, you just leave it and
• 19:32
  you're done. You know, but getting a house
• 19:36
  just because you can afford it is the worst idea when you don't
• 19:40
  know where you're going to be in the future.
• 19:42
  Now you say I need an El Paso. I well, I hope that's not true.
• 19:46
  I hope you do leave El Paso, Right?
• 19:48
  Not that El Paso is bad. Let me make that clear right
• 19:50
  now, if you come work for Meta. No, I'm kidding.
• 19:52
  I'm anyway. I'm not even going to go there.
• 19:58
  All right, time out. Let's go there.
• 20:01
  OK. I'm curious.
• 20:02
  I know you don't follow the news or you really don't care about
• 20:04
  certain things. What have you heard about Meta?
• 20:06
  Nothing. Nothing at all.
• 20:08
  Nothing. OK, I'm watching The Sopranos
• 20:10
  right now on HBO Max. Every commercial is repeated
• 20:14
  twice. Every commercial.
• 20:17
  Every commercial. I'm saying that every.
• 20:19
  That's how it is about Meta. We're here to help your
• 20:22
  community. We're going to return two times
• 20:25
  the amount of water that we used, where you can get that
• 20:28
  water from in bottled water. They're going to be in there
• 20:30
  pouring the water. You know what I mean?
• 20:33
  Another thing that they don't talk about with data centers.
• 20:35
  Now I want you to remember this. We're going to try it once it's
• 20:37
  open, but there's a data center in the town that was built
• 20:42
  behind some houses, right? And it has this exhaust or
• 20:48
  whatever you want to call it that the air whistling out and
• 20:52
  it's a high pitched all day long, 24/7 365.
• 20:59
  The the citizens had no choice. And it's just like El Paso.
• 21:02
  We have no choice. We got this management center.
• 21:05
  El Paso's already in a drought area, our aquifers going out and
• 21:11
  now we have to get water from, I mean, we have to give water to
• 21:14
  this meta center that's going to use it.
• 21:16
  That's not the best thing, right?
• 21:18
  So the area around it loses value because people don't want
• 21:23
  to be close to data center because of the sound and
• 21:25
  everything. They don't, they don't have
• 21:26
  talked about that, but that's one of the reasons, plus for our
• 21:30
  environment, it's all the water is going to be used up and the
• 21:35
  City Council gave them tax breaks.
• 21:37
  So they're using our water, but they're not paying the taxes on
• 21:41
  it. They're paying 20% of what they
• 21:43
  would be paying. Who do you think is picking up
• 21:45
  the other 80%? Us.
• 21:51
  What are we getting out of the middle center?
• 21:52
  Nothing. That's one of the things El Paso
• 21:54
  is really, really bad at is the politics of budgeting and
• 21:59
  everything. And there was like, for example,
• 22:00
  there were, this happens everywhere, not just El Paso,
• 22:03
  but we have as we had a city representative that used her
• 22:08
  personal gas card and she lent it out.
• 22:12
  Oh, not personal, but the, the county commissioner card, her
• 22:15
  card, they issue her, she lent it out to family members to use
• 22:18
  to put gas on it. So when they called her, she
• 22:22
  said, OK, I'll pay it back. That's not the point.
• 22:26
  The point is you stole and no what?
• 22:27
  No consequences. And that's on the C level.
• 22:30
  Imagine at the county, state and federal level.
• 22:34
  That's why vote, vote, vote. I've always told you, you may
• 22:40
  not think your vote counts and it may not in the long run,
• 22:43
  right. But like I talk about the the
• 22:47
  Bush and Gore election, they came down to like a few thousand
• 22:51
  votes. If one person in every city
• 22:55
  voted versus not voted, that made a difference.
• 22:59
  You don't think about that that one person in one city can make
• 23:02
  that change, you know. So be aware of that and vote for
• 23:07
  the midterms. You know, I'm not going to tell
• 23:09
  you who to vote for, but I'm just going to tell you vote.
• 23:12
  That's all I asked for. I don't think that's too much to
• 23:14
  ask for. What do you think, Hunter?
• 23:15
  Nope. When?
• 23:17
  When do we vote? I think early voting starts in
• 23:20
  two weeks and then the vote is the Tuesday, first Tuesday of
• 23:25
  the month. I think.
• 23:26
  I don't know the exact, I just know I'm going to be doing early
• 23:28
  voting, so that's all that matters.
• 23:30
  I'm not do not go on the day of the vote.
• 23:32
  I think last year we did go on the day of the vote and there
• 23:36
  was a line. There wasn't a long line, not
• 23:38
  last year, but the last time we voted where at the school.
• 23:43
  There was no line. Like, yeah, two or three people,
• 23:47
  right? Yeah, But that's that, that was
• 23:52
  the voting day in a part of town that nobody votes, right.
• 23:58
  So I knew it wouldn't be big if I if I take you to the voting
• 24:00
  lines this year. Like at the mall and all that,
• 24:02
  yeah. I'll well, yeah, but I'll take
• 24:05
  you to our actual quote UN quote where we're supposed to vote and
• 24:09
  I'm going to show you the line there.
• 24:10
  It's crazy. You have to be in line before 7.
• 24:14
  Now, if the line is 3 miles long, you're in line.
• 24:17
  They will stay open until those boats are in, right?
• 24:22
  But at 7, they shut the door. So yeah, it's pretty cool.
• 24:26
  I did it at our school. We were part of that, and we had
• 24:29
  the voting there. So I just had to get up on my
• 24:31
  break and go vote and come back, you know, Pretty cool.
• 24:36
  So another thing it talks about here is financing wants or
• 24:40
  needs. You know, financing wants or
• 24:44
  needs. What do you think the difference
• 24:47
  between the want they need is? Want something that you desire?
• 24:52
  Needs is something for survival. Right, exactly.
• 24:56
  Do you Remember Me talking about that or that is something you
• 24:58
  remember? Both.
• 24:59
  All right, good job. Perhaps anyone coming on TikTok?
• 25:07
  My eyesight's not that great. We have people that followed the
• 25:12
  hosts and Duck laughs. Can't really read the names that
• 25:16
  much. OK, Oh yeah, now that's well,
• 25:22
  thank you for joining our feed. We appreciate that.
• 25:25
  And we also have, you know, the feed with TikTok and YouTube and
• 25:28
  Twitch and all of that going on. So, yeah, it's, it's one of
• 25:40
  those things that, you know, we, we haven't done much of, you
• 25:49
  know, so let's keep that in mind.
• 25:52
  What wants and needs, people don't really think about that
• 25:55
  that much. They just go and do whatever
• 25:57
  they want. They don't really think about
• 25:59
  the impact that it's going to have on your, your life walking
• 26:07
  out at Hobby. Like for example, a friend of
• 26:09
  mine said Hobby Lobby lines are so long because they have
• 26:12
  regular cash registers. They just type it right.
• 26:16
  And the reason they type it, it gives you more time at the
• 26:23
  register. So those people at the front
• 26:24
  that are in line, they see the lines, they'll walk around the
• 26:28
  area while the line's there trying to get it down.
• 26:33
  So that is impulse buying, OK. All right.
• 26:44
  So yeah, wants and needs are very important when we talk
• 26:47
  about this. So let's get to today's terms
• 26:49
  that we're talking about, such as wants and needs.
• 27:14
  I don't know. The feed's not going out.
• 27:16
  That's weird. Everything was going good, now
• 27:19
  the feed's not going out. What do you think, Connor?
• 27:23
  Turn off the audio, the green button.
• 27:27
  Well, that's that's not it. Well, I mean, none of them have
• 27:30
  it so. I'm sorry, technical
• 27:31
  difficulties here. No, the audio just shows which
• 27:34
  was active, but I don't know what happened.
• 27:38
  We're not feeding through into remix.
• 27:44
  I don't know, we'll try one of the videos we had already, see
• 27:51
  if it still works all. Right, you guys.
• 27:55
  Quick break. We'll be right back.
• 28:03
  It's time for The station where our veterans
• 32:02
  voices are heard. MBR talk.
• 32:06
  Hey, thanks for supporting our channel by watching and
• 32:08
  listening find. Us on the web at NB radio dot.
• 32:13
  Before we get back to the show, listen up El Paso.
• 32:16
  Many things are coming to El Paso and you want to stay in the
• 32:20
  loop. We are setting up trivia, bingo
• 32:23
  and karaoke coming to locations near you.
• 32:26
  Follow us on all the social media platform at
• 32:29
  purehottakes.com to stay updated.
• 32:32
  That's right, Badlands Trivia and Blazing Bingo is officially
• 32:35
  launching. We're teaming up with Military
• 32:37
  Broadcast Radio to bring you a high energy interactive game
• 32:40
  night every Wednesday at 9:00 PM Eastern.
• 32:42
  You can join the action live on Twitch or YouTube at Trivia and
• 32:45
  Bingo Live, or catch us on TikTok at MBR Talk Roku.
• 32:49
  It's all about building that community.
• 32:52
  Let us help you find your voice. You can also find us on Roku TV
• 32:56
  by searching for MBR Channel. All right welcome back to hot
• 33:02
  takes with the Murph man technical difficulties.
• 33:06
  I hit the mute button as I pass my keyboard and I didn't realize
• 33:10
  that was happening. I do apologize about that.
• 33:12
  So let's get back to some of these terms, OK?
• 33:16
  Wealth building is something that we got to do all right?
• 33:19
  It's growing your wealth net worth through saving, investing,
• 33:23
  and smart money. And I'm going to go ahead and
• 33:24
  play this again because the video game played the last time,
• 33:27
  right? Now that the coals are laid,
• 33:32
  Murph Man, let's discuss the found.
• 33:42
  Before we dig in, let's clarify some of the key terms we'll be
• 33:46
  using today while laying down the coals.
• 33:49
  Key Term 1 Wealth building. Is growing through.
• 33:53
  Saving, investing and smart money management.
• 33:56
  Key Term 2 High interest debt is debt with steep interest rates
• 34:01
  like credit cards that should be paid off aggressively.
• 34:05
  Key Term 3 automation is setting up systems that move money into
• 34:09
  savings or bills without manual effort.
• 34:12
  Now that the coals are laid, Murph man, let's discuss the
• 34:15
  foundation. All right, so we talk about
• 34:18
  wealth, wealth, wealth, building your net worth through saving,
• 34:23
  investing and smart money. That is what wealth building is.
• 34:26
  All right? You want to build your wealth,
• 34:29
  how much you owe, your assets, all that stuff, right?
• 34:32
  Then you want the high interest debt is debt with steep interest
• 34:35
  rates like credit cards that should be paid off aggressively.
• 34:37
  What do you think is a high credit limit, high interest
• 34:41
  rate? I well what do you mean by that?
• 34:45
  Like the definition or like an example?
• 34:48
  A number What's considered high interest?
• 34:52
  17. Yeah, I'd say anything above a
• 34:56
  13 is too high. Most credit cards will have 20
• 35:00
  to 30, right? But if you can get lower than
• 35:04
  13, I think that's a good place to be 15 for credit cards.
• 35:09
  And then it talks about automation and setting up
• 35:11
  systems that move money into saving our bills without manual
• 35:14
  effort. So let's talk about it.
• 35:16
  We talked about that last week or two weeks ago, I should say.
• 35:20
  We talked about how the. What?
• 35:31
  I lost a dream of thought. Holy cow.
• 35:37
  Two weeks ago. Yes, I remember we said, we
• 35:41
  talked about setting up the savings.
• 35:42
  That's what I was trying to say savings.
• 35:44
  I couldn't think of the right word, the allotments, the the
• 35:51
  that's, that's the word I was looking for.
• 35:52
  The savings is not the word per SE, but when you get a check and
• 35:59
  you start working from the very first job, if possible, take out
• 36:04
  20 to $30 and put it directly into into your savings.
• 36:11
  So even as a working at Taco Bell, minimum wage, whatever,
• 36:17
  you can actually get savings started.
• 36:19
  And remember, we're talking about compounded interest and it
• 36:21
  builds on it. Those $30, if you get a pay
• 36:26
  raise, raise the $30 percentage wise to the raise.
• 36:32
  So if you get a dollar raise, which I really don't, we would
• 36:35
  get like $0.10 raises. We were happy with that.
• 36:38
  Yeah, be like, yay. But you get $0.10, increase it
• 36:43
  by three dollars or two, I mean $2.02, two cents, my two cents.
• 36:51
  No, increase it by two cents. That's 20% of the $0.10, OK.
• 36:57
  And as you make more money, go now if you're going to be like
• 36:59
  Connor, I don't know what your plans are in the future, but if
• 37:03
  you're working through college, you will need to do that.
• 37:07
  But when you get that first real big paying job, immediately take
• 37:12
  your 20% and Max out everything you can.
• 37:16
  Max out your IRA, your Roth IRA, you're investing at work, all of
• 37:22
  that. And those are 20% of your
• 37:25
  paycheck that you never see. It just goes in automatically,
• 37:27
  right? I told you when I die, you're
• 37:31
  going to get my retirement from the Texas Retirement System
• 37:33
  because I'm going to take half, right?
• 37:36
  And in return, you're going to get the payment every month
• 37:40
  that's 100 and $1500 that you don't expect to get.
• 37:42
  So that should go straight into your savings also.
• 37:46
  Now, hopefully I don't die anytime soon, but at the same
• 37:49
  time, I hope I die soon enough to where that money will do you
• 37:51
  good. Because, you know, if I, if I
• 37:53
  die at 100, you're going to be 50.
• 37:58
  Oh, no. Well, 70, 65 or 70, that money's
• 38:04
  not going to do much good, right?
• 38:06
  It'll help you with your living expenses, but other than that,
• 38:08
  you won't be able to invest it or anything.
• 38:09
  So, yeah, I I I think I'm going to live till about 85.
• 38:13
  That's what I think. That's my goal.
• 38:15
  Knock on wood. Yeah.
• 38:19
  You sure? All right.
• 38:20
  You want me to run that long another 30 years I.
• 38:24
  Don't mind it. 31 Actually, no, I can't do math. 28 Jesus
• 38:31
  Christ. OK, time to be truthful here.
• 38:35
  I went out last night and I'm hungover that that's sorry.
• 38:41
  Yeah, drinking my water, just basic water today, you know?
• 38:45
  But yeah, I was celebrating everything going out and, you
• 38:51
  know, it is what it is, right? But I'll tell you what, enough
• 38:54
  of my stories. Just get to our story of the
• 38:56
  fire. In today's story from the Fire,
• 39:07
  Darius set up automatic transfers to savings and debt
• 39:10
  payments. He barely noticed the money
• 39:13
  leaving, but after a year, he had saved $1200 and his credit
• 39:17
  card balance was gone. He learned that building wealth
• 39:21
  isn't about luck, it's about a consistent, intentional
• 39:24
  strategy. Murph, man, are you feeling the
• 39:27
  heat? That's right, Darius set up
• 39:42
  automatic transfers and savings and debt payments.
• 39:46
  He barely noticed the money leaving, but after a year, he
• 39:49
  had several. He had saved $1200, a $100 a
• 39:52
  month. That's all it takes.
• 39:53
  And now you have 1200. His credit card balance was
• 39:56
  gone. And he's building his his
• 39:59
  wealth. You know, we talk about wants
• 40:01
  and needs. Let me, let me.
• 40:04
  Let's talk about our trip. Which one?
• 40:07
  The one that we want to take in Christmas.
• 40:10
  OK, Connor's a big Bills fan. I'm a Denver Broncos fan.
• 40:16
  And I was like, OK, Bills are playing the Broncos in Denver on
• 40:21
  Christmas Day. And if you've been listening to
• 40:24
  our podcast for a while, you know, we talked about his mom
• 40:26
  who passed away. She passed away during the month
• 40:28
  of December. And I hate December because I've
• 40:32
  had several bad things happen to me in the month of December and
• 40:35
  I don't like it. So I try to leave town when I
• 40:38
  can and celebrate Christmas somewhere else.
• 40:42
  And I told Connor if I get assigned a class at the college
• 40:45
  this month, this year, a mini master, I'll have the money to
• 40:49
  go do that. And I got the money and I
• 40:52
  started planning the trip right away.
• 40:53
  Right, Connor? Oh yeah.
• 40:57
  And then while I was doing my budget, and again, I tell you I
• 41:01
  have this budget laid out and it has money coming in, money going
• 41:05
  out like a balance sheet. And I can tell you if I spend a
• 41:09
  penny now that penny affects me down the road.
• 41:12
  Anyway, I was doing it and I realized at some point I typed
• 41:17
  in a 15 in the place of my mortgage payment.
• 41:21
  That must have been a, a key swipe or something by mistake
• 41:24
  because I was scrolling through it.
• 41:26
  So I thought I had extra money, right?
• 41:30
  I didn't. And then another bill down the
• 41:36
  road is the program I'm using right now.
• 41:39
  I have a trial version of it, but I have to pay almost $800.00
• 41:42
  for the video mixer. That wasn't in my budget.
• 41:48
  It was before. I don't know how it got taken
• 41:51
  out. I, I, I, honestly, I really
• 41:52
  don't. So between those two, almost
• 41:56
  $2000. So the money I'm making from the
• 42:00
  college goes to pay that. And only this is a little bit
• 42:04
  for the trip, right? So looking at the budget, this
• 42:09
  is how you got to think about wants and needs.
• 42:10
  OK, Look at the budget. I can afford the tickets to the
• 42:13
  Broncos game, which are 1800. That's that's because we want
• 42:20
  good seats. We don't want to see ants
• 42:22
  playing on the field. And it's Christmas and.
• 42:25
  Yeah, and it's Christmas and you know, we're actually going to if
• 42:27
  if those tickets are available when I get my first paycheck,
• 42:31
  that's going to be some really good season.
• 42:32
  Won't even come out on the TV. We can put sign up with us.
• 42:37
  It can say Broncos suck and I can say Bill suck.
• 42:39
  And we point at each other. Yeah, You want to do something
• 42:43
  like that, see if we can come out on TV for Christmas.
• 42:45
  Yeah, that would be cool, right? We'll try anyway.
• 42:47
  So I can buy the tickets, but I cannot pay for the hotel and the
• 42:54
  car rental and our expenses while we're there.
• 42:58
  So right now I'm not going to worry about this until October
• 43:02
  25th, but October 25th comes, I have to make the decision if I
• 43:08
  want to buy the tickets or not. And then hopefully like I talked
• 43:13
  about, we're going to be doing trivia and everything, right?
• 43:16
  My contract that I have says you must pay me every month within
• 43:22
  30 days for my MC and everything that they pay me two weeks in
• 43:26
  advance. So between all of those events.
• 43:38
  All of those events are going to put money in my pocket in
• 43:42
  December if I get them scheduled, I get them on time
• 43:46
  and whenever they decide to pay me, right.
• 43:49
  So I'll say, OK, I have so many events right now, they're going
• 43:52
  to be two or $300 each, you know, and if I can get 10 events
• 43:57
  between now and Christmas, I'll have money to do all that.
• 44:02
  And it's a contract. It's not like, I mean, yeah,
• 44:04
  they can choose not to pay me, they don't like what I'm doing,
• 44:06
  whatever that can happen. But I know they'll like me
• 44:12
  because they've already hired me a few times, so there's not an
• 44:14
  issue there. Can I count on that money that I
• 44:18
  don't have? No.
• 44:23
  Even if it's a contract I know I'm going to get.
• 44:26
  It no. No, because like the the
• 44:27
  building could burn down, right? OK, Yeah.
• 44:30
  Yeah, right. And I have nowhere to work.
• 44:35
  So things can happen. And in a contract, it's got
• 44:37
  actually called force majeure that affects that.
• 44:42
  Now, one thing that we have to think about is as we're planning
• 44:48
  this, we have our money, we have everything that we want to do,
• 44:52
  OK? And as we're planning it, I can
• 45:00
  buy those tickets on October 25th that I already know, but I
• 45:06
  I don't know the actual. October 25th.
• 45:09
  Yeah, that's why I get paid my first check on the college.
• 45:13
  Look up real quick. Broncos sell out streak.
• 45:16
  This, this is a really interesting fact about my
• 45:18
  Broncos. How long do you think they've
• 45:22
  been sold out for Connor? I don't even know.
• 45:28
  Broncos hold the longest active home sell out dating back to the
• 45:32
  first game of the 1970 season. 440 games.
• 45:38
  So right now, if you go to the Ticketmaster, you'll see the
• 45:42
  reseller tickets. Those tickets are sold whether
• 45:45
  there's people buying them or not.
• 45:46
  They're sold, right? But being a Christmas game,
• 45:52
  maybe they'll be able to. Someone will want to buy my
• 46:01
  tickets. Now, I will tell you this, if I
• 46:04
  get to the point where no one buys my tickets by December
• 46:11
  23rd, if even if I need to, right?
• 46:13
  Yeah, we will drive on Christmas Eve or take off Christmas Eve
• 46:20
  morning, drive to Colorado, stay the night, watch the game.
• 46:28
  And I don't even know what time the game's at, but it's.
• 46:32
  Christmas, so it's. Let's look that up.
• 46:35
  Afternoon game, I think. I would, I would think so.
• 46:37
  All right. And we will drive back the next
• 46:43
  day, forget everything I want to do while I'm there.
• 46:46
  But if I'm spending $1800 on the game, then you then you know, I
• 46:55
  have to, I have to go spend those extra couple 100 and I'll
• 46:57
  be able the extra couple 100 bucks I can do, I can do
• 47:00
  everything I want. And it's an afternoon game.
• 47:03
  So it'll be over at 5:30. And we were to, if we were to
• 47:07
  drive home right after the game, OK, say 7:00, we would be here
• 47:12
  at 5:00 in the morning. If we were that broke, would
• 47:16
  that be worth it to go to the game?
• 47:18
  7:00 in the morning, at night or at night, we leave.
• 47:23
  Right after the game, so we don't spend the money in the
• 47:24
  hotel hotel or we drive down to like a city in New Mexico and
• 47:28
  stay there the night and then leave in the morning.
• 47:32
  How far is it? It's a 10 hour drive.
• 47:36
  After the game would you want to do a 10 hour drive?
• 47:39
  I have no idea. I have no idea.
• 47:42
  What I'm saying though, is this is where we get to those wants
• 47:45
  and needs. How bad do you want it and are
• 47:53
  you willing to do what it takes to work for it?
• 47:55
  Could I do a side hustle between now and then?
• 47:57
  Save up money like go donate plasma or you know what I mean?
• 48:01
  Just not like, well, I meant like, you know, I'm just giving
• 48:07
  examples here for people how they want to make money.
• 48:09
  OK. And if you do that and you get
• 48:14
  money, you'll have some money. So the tickets at the 25th have
• 48:19
  to make a decision if I want to have money on Christmas, I can
• 48:26
  look where I can come back and you know, maybe decide where I
• 48:29
  was. Notice I'm not saying dip into
• 48:30
  my savings because that's not what it's for, all right, but
• 48:35
  move my budget around and say, OK, maybe I don't pay extra on
• 48:38
  this credit card this month or these two months and that gives
• 48:40
  me an extra couple 100 or you know what, you know what I mean?
• 48:44
  My bills are still getting paid, just not extra for a couple
• 48:47
  months. OK, you know, it is what it is.
• 48:50
  But when you're doing a budget and you have savings, you can
• 48:58
  make trips like this, You know, it's it's so cool.
• 49:01
  Now, I will tell you this. If I get a second class for
• 49:04
  whatever reason, I'm gone, right?
• 49:08
  Yeah. So I'm going to text my boss.
• 49:12
  Hey, do you need anyone last minute?
• 49:15
  But yeah, so The thing is saving automatically and having a
• 49:21
  budget is so important for times like this.
• 49:25
  It's not an emergency. I cannot dip into my savings
• 49:27
  plans for this. That's not how savings work.
• 49:29
  You need to have six months of savings up to a year of your
• 49:33
  salary so that if something happens, you can at least have
• 49:35
  six years to a month, I mean six months to a year for paying your
• 49:40
  debt. And then you can have another
• 49:41
  emergency fund for emergencies such as car repairs, new
• 49:46
  appliances. You know, I'd say keep that
• 49:48
  account should probably be in my opinion about 5000, right?
• 49:54
  Yeah. And then you have your own money
• 50:01
  that you spend on entertainment, gas, food, all of the other
• 50:04
  living expenses that are needs, needs.
• 50:08
  And you have part of that budget is once because you, you've got
• 50:12
  to have some spare money laying around, right?
• 50:17
  I would hope so. Spend it all and come back with
• 50:20
  nothing. Well, right, but I'm saying, but
• 50:23
  if you if out of the money you set aside every month, like for
• 50:27
  example, right now my my free budget is 202 twenty until
• 50:34
  Friday right now till payday, because every payday I
• 50:38
  separated. Yeah.
• 50:40
  I'm like, OK, so we can go out tonight and then we can go to, I
• 50:46
  can go on a date or two and then that's my spending money if I
• 50:52
  want to do that, right? Or I can say, hey, let's let's
• 50:55
  go and eat out at a fancy restaurant and spend $120.00 and
• 51:00
  not have money to really go out that many times.
• 51:02
  You know what I mean? So that that spending money has
• 51:05
  to go for budgets, costs, things that you need, little living
• 51:09
  expenses that you don't realize that you need until like for
• 51:12
  example, we need milk right now. OK, Oh my God, I didn't plan on
• 51:16
  getting milk, whatever, you know what I mean?
• 51:20
  And I didn't plan on getting milk.
• 51:21
  That's why we ran out. So so we got to go today to get
• 51:24
  milk. But money wise, I'm good
• 51:28
  planning. You need some help.
• 51:30
  OK. But let's talk about some of
• 51:32
  these steps you can take to improve you're investing and
• 51:38
  your savings. The heat map will show you where
• 51:50
  to focus your efforts for the most impact.
• 51:53
  Use the 5030 twenty rule. 50% needs, 30% wants 20% savings
• 51:59
  slash debt. This is a simple and effective
• 52:02
  framework for budgeting. Track every dollar for one month
• 52:06
  to find your spending patterns. You can't manage what you don't
• 52:09
  measure. Automate bill payments and
• 52:11
  savings transfers. This makes saving effortless and
• 52:15
  prevents late fees. All right, so automatic
• 52:21
  transfers to savings the day after payday.
• 52:24
  I've talked about this, right? That's something you got to do
• 52:26
  automatically use the debt snowball.
• 52:30
  Now let's let's talk about that real quick or the avalanche
• 52:32
  method. Pay off high interest debt.
• 52:36
  Well, you can look at the interest, you can look at the
• 52:38
  payment. If I pay all my small accounts
• 52:44
  and slowly add that money into my higher accounts, that's
• 52:48
  called a snowball effect, OK. If I pay the higher interest
• 52:53
  ones that usually have a higher payment like a car payment or
• 52:55
  something, and I pay that off, now that's a lot of money that's
• 52:59
  going to come down here like an avalanche and you pay off that
• 53:02
  like that. So there's there's two schools
• 53:04
  of thought, the snowball or the avalanche.
• 53:07
  I personally like the snowball because like for example, tax
• 53:12
  return, you get $1000 pay off 2 credit cards, that's $100 or
• 53:15
  whatever a month that now goes to another bill.
• 53:18
  That's a lot of money. So your $100, your $1000 tax
• 53:22
  refund becomes 1200 by the end of the year because you're
• 53:24
  actually having an extra 100 and you're not paying the interest
• 53:28
  on things anymore, right? So that's the, that's the method
• 53:32
  I like is a snowball method. Now, the avalanche method, if
• 53:36
  you get a windfall of income, like a tax return, that's $5000,
• 53:40
  OK, paid off the higher ones because that's going to give you
• 53:43
  more payment, right, to put into the lower ones and pay those off
• 53:49
  quicker. And then there's no balling from
• 53:51
  there. So that's how I do it.
• 53:53
  You guys are, again, I'm not a financial expert.
• 53:57
  I haven't stated the Holiday Inn.
• 53:59
  I'm just talking because these are my experiences.
• 54:01
  Do you know what I said the Holiday Inn?
• 54:02
  No, because like picture, there's an accident and the guy
• 54:08
  walks out and he tells the paramedics, oh, it looks like a
• 54:10
  open fracture to the tibia and whatever, whatever.
• 54:13
  Oh, are you a doctor? He's no, but I stayed at a
• 54:14
  Holiday Inn last night. That was their commercials.
• 54:18
  And it was you're so rested that you can handle anything after
• 54:22
  staying at the hotels. No, not a doctor.
• 54:26
  I just stayed at the Holiday Inn last night.
• 54:28
  So for a while that was a trend and everyone was saying in the
• 54:31
  in the conversation, wow, how'd you?
• 54:33
  Oh, I just stayed a Holiday Inn last night.
• 54:35
  Stupid. Anyway.
• 54:36
  So that's the reason you don't want to stay there because I've
• 54:39
  been commercial. No, I stay there.
• 54:41
  That's the hotel downtown. Oh, you said like, not why?
• 54:44
  Am I getting the hotel? That's another story, but OK,
• 54:46
  Yeah, yeah. You know, what I'm saying is
• 54:50
  we're not financial experts. We're just us.
• 54:54
  I did not stay at the hotel last night.
• 54:55
  See that? Because otherwise I'd be smart
• 54:57
  and giving out tax advice and everything.
• 55:00
  All right. And last but not least is the
• 55:02
  high yield savings account for short term goals.
• 55:05
  This is where your emergency fund and vacation money should
• 55:08
  live. So let's talk about that.
• 55:12
  If you invest in ACDA certificate of deposit, you give
• 55:17
  the bank $100 right now and in six months, three months, a
• 55:21
  year, night, whatever term you pick, you can't touch that.
• 55:25
  You can't, I mean like there has to be like a true life or death
• 55:28
  emergency to get it out. At the end of the term you have
• 55:32
  100 plus whatever the interest is automatic guaranteed because
• 55:36
  you put in at this rate. That's what I'm going to do.
• 55:38
  And because it's it's the CD, they give you a little bit
• 55:40
  higher interest rate. OK.
• 55:42
  So if you have $1000, you can put it in an account that's like
• 55:46
  $100 for three months or six months and another $100 for nine
• 55:53
  months, another $100 for 12 months.
• 55:55
  So all of a sudden when this starts coming in the year every
• 55:59
  369 and 12 months, you're going to be able to get that money out
• 56:03
  and invest it again. But if you need it, you'll have
• 56:06
  it. So that's, that's one way to
• 56:08
  have that with those kinds of high yield savings.
• 56:12
  And you know that again, it says that's your emergency fund and
• 56:19
  vacation money. I disagree.
• 56:23
  Vacation money, I'm sorry, Emergency funds should be
• 56:26
  separate altogether in a savings account you can pull anytime
• 56:29
  because it's an emergency. ACD you can't do that.
• 56:32
  A vacation fund, though, Yeah. Because some CDs let you put
• 56:36
  money in every month by the end of the 12 months for your
• 56:40
  vacation because, you know, we plan so far in advance.
• 56:45
  Yeah, that money will be there. So that's.
• 56:49
  That's another way to consider saving your money as a CD.
• 56:53
  OK. Now, I've never heard any other
• 56:56
  culture or people that do this is and I'm trying to sound
• 57:06
  racist, but it's a Hispanic thing, OK?
• 57:12
  It's called a tanda. Have you heard of this?
• 57:15
  No, OK, People get together, mostly housewives, and they each
• 57:21
  put in $200 a month or a week or whatever they choose, right?
• 57:26
  So they put in $200 a month and then every week they pick a
• 57:31
  random person and then they have an order from there.
• 57:35
  So the first week everyone puts 200 and Connor gets it.
• 57:38
  Next week we put $200 in, Sean gets it.
• 57:42
  And you just keep this going. So it's a way of holding on to
• 57:44
  money, right? You're not making any money on
• 57:47
  it. It's just a way of holding it.
• 57:52
  So that's that's one way they save money with the Thundus.
• 57:55
  OK, that, that's something that you'll hear if you're getting
• 57:59
  married into a Mexican household.
• 58:00
  The time does. I think this is, this is so
• 58:06
  stereotypical, but I'm so bad. I think it's probably because
• 58:11
  people were not here legally and they couldn't open Bing
• 58:15
  accounts. They had to figure out a way to
• 58:17
  put their money in and save it. Does that make sense?
• 58:21
  Now they could. You've heard stuffing under the
• 58:23
  bed or in the freezer or whatever.
• 58:25
  That's why things like that happen.
• 58:27
  But what do you think is the drawback to a Thunder No.
• 58:32
  One just banned it. Well, that's the point.
• 58:36
  Someone could get their money and be like, I'm sorry, I can't
• 58:39
  do this anymore. And what can you do?
• 58:43
  Sue them? No.
• 58:46
  So there's people that actually do that.
• 58:47
  They enter a Thunder, they don't put their money in.
• 58:50
  I mean, they put their money in for one or two times and then
• 58:52
  when they finally get paid, they're like, I'm out and they
• 58:54
  don't care about the rest of the months, you know?
• 58:56
  So don't do it if you can. Don't do a Thunder.
• 59:00
  That's my opinion. That's my hot take.
• 59:02
  That's my thoughts on this, OK. OK.
• 59:07
  I'll tell you what, it's the top of the hour.
• 59:10
  I think we should take a break here.
• 59:11
  What do you think? Yeah, I think so too.
• 59:14
  Now this song is by Matt Oakley called Single this summer.
• 59:18
  I got to tell you, I I love this song, I really do.
• 59:22
  I don't know why, I just like it.
• 59:24
  I hope you enjoy it as well. We'll be right back after the
• 59:26
  break. It's time for a break.
• 59:30
  Hot takes with the Murph man. We'll be right back.
• 59:55
  Our Stoops cigarette smoke where the dive bar bands played in all
• 1:00:01
  the wrong notes, them dollar bill still hanging on the wall.
• 1:00:06
  Yes, ain't no place for her kind at all.
• 1:00:10
  She had any red bottoms on and it's blue collar time.
• 1:00:14
  There's only two reasons why girls like her come around and
• 1:00:18
  took her wrong turn. Diagnosed and she's looking for
• 1:00:23
  love because she lost it. We shoot bring your wine and
• 1:00:29
  burning leaning on the chest for a little silent comfort just
• 1:00:34
  trying to take the move right under the knee all moonlight
• 1:00:41
  she's chasing her free arm little nature, little trapping.
• 1:00:46
  Make her your mind by the end of the night.
• 1:00:49
  I'm a bit away from the number. Try to keep her from being
• 1:00:57
  Sango. This Sir, Sunset, sunrise nights
• 1:01:10
  live in my thank till they might just be worth me after all.
• 1:01:17
  Till you can't find love till you fall.
• 1:01:23
  Red dirt roads feel like calm and it looks so big safe.
• 1:01:31
  If the song brings clothes in me, We've 2 friends bringing out
• 1:01:42
  each other for a little southern company.
• 1:01:46
  Move round underneath thy moonlight, the Jesus children
• 1:01:53
  are free. I'm trying to make your mind by
• 1:01:58
  the end of the night I'm a good life away from now.
• 1:02:04
  Trying to keep her from being. These two flames burning red
• 1:02:19
  wine and bourbon leaning on each other for a little Southern
• 1:02:23
  Comfort just trying to sit the more right underneath your mow
• 1:02:26
  your eyes. She's chasing everything on you
• 1:02:29
  love me little maker. My mighty end of the night I'm
• 1:02:36
  going to land only from normal. Try to keep her.
• 1:03:12
  That's right, Badlands Trivia and Blazing Bingo is officially
• 1:03:15
  launching. We're teaming up with Military
• 1:03:17
  Broadcast Radio to bring you a high energy interactive game
• 1:03:20
  night every Wednesday at 9:00 PM Eastern.
• 1:03:22
  You can join the action live on Twitch or YouTube at Trivia and
• 1:03:25
  Bingo Live or catch us on TikTok at MBR Talk Roku.
• 1:03:30
  It's all about building that community.
• 1:03:32
  Let us help you find your voice. You can also find us on Roku TV
• 1:03:36
  by searching for MBR Channel. That's right you guys, MBR.
• 1:03:44
  Let's talk about MBR real quick. Military broadcast radio and H
• 1:03:47
  train an amazing person. If you don't know him, you got
• 1:03:51
  to check out military broadcast radio.
• 1:03:53
  But I will tell you this on Wednesday nights he and I host a
• 1:03:57
  trivia on MBR. It's broadcast over MBR talk
• 1:04:02
  Roku. It is on God takes, you know,
• 1:04:05
  and being alive Roku, it's all the places.
• 1:04:08
  So check out our socials for that.
• 1:04:10
  OK, you can definitely find us doing the show every Wednesday
• 1:04:14
  at 9:00 PM Eastern, 7:00 PM mountain, right.
• 1:04:17
  And we're getting better at is beta testing right now.
• 1:04:19
  So we're not we don't have any prizes or anything like that,
• 1:04:23
  but we do have fun. And if you want to join in on
• 1:04:27
  TikTok, there's a chance you might get a couple roses or
• 1:04:31
  stuff, you know, some prizes. And if you like our show, you
• 1:04:34
  can give us maybe a spare Galaxy or have laying around, you know.
• 1:04:39
  Yeah, totally. Yeah, yeah, just laying around.
• 1:04:42
  Just a Galaxy, yeah. Those people that give out
• 1:04:44
  galaxies give one to us. Why not now?
• 1:04:48
  Real quick, Speaking of gaming, did you see Selena Gomez video
• 1:04:52
  when she was actually at live on TikTok one day and they were
• 1:04:54
  donating like unis and stuff to her or galaxies.
• 1:04:59
  And she's like, oh, look at this, they're giving me a Galaxy
• 1:05:01
  here and a rose here and whatever, you know, and her
• 1:05:03
  friends like, yeah, they're giving me money.
• 1:05:05
  She's like, what do you mean? She goes, oh, that's their way
• 1:05:07
  of paying you. That's how you get paid.
• 1:05:09
  She's like, oh, no, no, no, you all stop.
• 1:05:11
  I don't need your money. Like stop.
• 1:05:13
  And I'm like, OK, those people can come to MBR talk Roku and
• 1:05:17
  give us the money, right? Yeah, right.
• 1:05:22
  And I say US meaning military broadcast radio, not me.
• 1:05:24
  If you want to give me money, it's pure hot takes.
• 1:05:27
  Anyway, let's get to the places you're going to get burned and
• 1:05:31
  those pitfalls to avoid. 800 bucks?
• 1:05:39
  I don't fucking think so, but OK.
• 1:05:41
  Let's talk about where you'll get burned regarding common
• 1:05:44
  financial pitfalls. Common mistake one.
• 1:05:47
  Waiting until you make more money instead of starting small
• 1:05:51
  right now. Common mistake 2 treating
• 1:05:54
  savings as optional rather than making it automatic and
• 1:05:57
  invisible. Back to Murph, Man for the
• 1:05:59
  warning. Back to Murph Man and Connor
• 1:06:04
  here at Pure Hot Antiques. This is the Murph man.
• 1:06:08
  I am the Murph man. This meant call is Connor.
• 1:06:10
  How you doing? After.
• 1:06:12
  Through the show. Yeah, I'm messing with him.
• 1:06:16
  That's how we start the show. I'm like, hey, how you doing?
• 1:06:22
  Yeah, you almost went into the automatic script, right?
• 1:06:24
  Yeah. Well, not automatic, but I mean,
• 1:06:27
  you know, we have. I say this and my response.
• 1:06:28
  Yeah. We don't have a script.
• 1:06:30
  We don't have a script, yeah, but we.
• 1:06:32
  Did we wouldn't be making mistakes and we wouldn't be
• 1:06:35
  talking about random stuff like Selena Gomez.
• 1:06:41
  Just, I don't know, we're just a little like break and then be
• 1:06:43
  like, oh, talk about Selena. Like, you know, what's
• 1:06:45
  interesting is on the streaming platform we use, you can have
• 1:06:50
  teleprompter and you can have the notes in front of you as
• 1:06:54
  you're reading, right? I can have them on a different
• 1:06:57
  screen that we have here and everything.
• 1:06:59
  But that's not what this show's about.
• 1:07:02
  Even though I do have certain things I will talk about.
• 1:07:05
  Let's talk about right now. Let's talk about those pitfalls
• 1:07:08
  you're going to have in our segment where you're going to
• 1:07:09
  get burned waiting until you make more money.
• 1:07:12
  Instead of starting small right now, that's a given.
• 1:07:15
  Start small and just keep investing for your whole career,
• 1:07:19
  treating savings as an optional rather than making it automatic
• 1:07:23
  and invisible. If you follow the advice of just
• 1:07:30
  automatically taking money out, taking money out every paycheck,
• 1:07:39
  and you don't look at it. Wow.
• 1:07:41
  And what's really cool is if you have an account with somebody
• 1:07:47
  you can trust, I wouldn't give it give it to a wife, but
• 1:07:51
  someone you know is going to be around for a while, you can ask
• 1:07:55
  for accounts where it requires dual signature to take money
• 1:08:00
  out. So you both have to be present
• 1:08:03
  to be there. If you have a joint account,
• 1:08:08
  well, one person can take out money whenever they want, you
• 1:08:12
  know, So that's not really the best thing, right?
• 1:08:14
  But for savings account, you want to have a dual log in and
• 1:08:18
  all that good stuff or get it yourself and no one else.
• 1:08:25
  If you're impulsive, you might want to have some some way of
• 1:08:28
  limiting that money. All right.
• 1:08:33
  And the last is ignoring high interest debt instead of facing
• 1:08:36
  it, planning for it and crushing it.
• 1:08:40
  OK, high interest debt is not something you you want, trust
• 1:08:45
  me, because like if I have $100 balance at the end of the year,
• 1:08:48
  I'm going to owe 130, right? Even though I'm making my
• 1:08:53
  payment. Think about that.
• 1:08:58
  That money you save if you have a $500 limit or 1500 dollar
• 1:09:02
  $2000 limit, 35% of that a year. So yeah, 2000, that's 600 a year
• 1:09:12
  that it increases. If you're making a $50 payment
• 1:09:14
  on it, your balance is not going to go down.
• 1:09:17
  And what's funny is there's when you look at your credit card
• 1:09:20
  statement, it says if you pay the minimum amount, it will be
• 1:09:24
  paid off in X amount of years and months.
• 1:09:29
  And you could have a $1500 loan paying minimum.
• 1:09:33
  It could take up to 10 years to pay it off.
• 1:09:36
  Oh wow. 7 to 10 years, depending on the interest rate.
• 1:09:39
  Yeah. So avoid the high interest stuff
• 1:09:42
  if you can. Well, how do you avoid it,
• 1:09:43
  Connor? You get the heat Shields and
• 1:09:46
  those heat Shields are going to be what protect you from getting
• 1:09:50
  burned. Here it is.
• 1:10:00
  Here are your heat Shields. Intentional preparation Dedicate
• 1:10:05
  focused time to research and planning to protect yourself
• 1:10:08
  from the negative impacts of unpreparedness. self-assessment.
• 1:10:12
  Use self evaluation as a shield to understand your current
• 1:10:16
  standing before moving forward. External pressure defense.
• 1:10:21
  Safeguard against outside pressures and maintain steady
• 1:10:24
  progress when transitioning to the next stage.
• 1:10:27
  Murph, man, what's next? Well, what's next is we're going
• 1:10:34
  to talk about those heat Shields that I love so much because this
• 1:10:36
  is where you have the ability to stop things from happening and
• 1:10:42
  from burning you, OK? It's not hopeless.
• 1:10:47
  You can definitely do this. And if for some reason fall in
• 1:10:49
  the pitfall, guess what? You can make it up, OK?
• 1:10:53
  Intentional preparation, where you focus on the research and
• 1:10:57
  planning to protect yourself from the negative impacts of
• 1:11:00
  unpreparedness. Intentional preparation, that's
• 1:11:04
  what I'm doing. I can tell you right now, I have
• 1:11:07
  my budget set for how much money I need to spend all my bills,
• 1:11:10
  whether I get paid at my business or not.
• 1:11:12
  If I get paid at the business, then it gets taken care of and
• 1:11:14
  that's money in my pocket, right?
• 1:11:17
  You want to get to the point where it's automatic and it
• 1:11:20
  takes care of itself where you don't have to be in, you know,
• 1:11:22
  keeping it up. And that's how savings works.
• 1:11:24
  You want to have it there and when you need it, it's there.
• 1:11:29
  Now, again, I'm going to digress here just for a second that
• 1:11:34
  long, but Stephen Covey talks about that as an emotional bank
• 1:11:37
  account when he talks about relationships.
• 1:11:39
  If you have a relationship with somebody and all it is, is
• 1:11:43
  negative, they're draining you. It's like a bank account.
• 1:11:47
  If you're not putting anything into that bank account when it's
• 1:11:49
  time, you got nothing to pull. So how does that work with
• 1:11:53
  people? When people abuse you, take
• 1:11:55
  advantage of you, don't listen to you.
• 1:11:56
  They, they don't treat you nicely or anything.
• 1:11:59
  Why should you do something for them because their bank account
• 1:12:02
  with you is drawn or sometimes overdrawn.
• 1:12:06
  And there's people that are like, no, I can still get paid
• 1:12:09
  and take money out again and get paid.
• 1:12:11
  You're losing hundreds of dollars or whatever.
• 1:12:13
  But if you're in a relationship, what's that costing you
• 1:12:15
  mentally, emotionally and physically, Right.
• 1:12:20
  So, yeah, just remember that emotional bank, how my Stephen
• 1:12:23
  Covey. Now back to the show, self
• 1:12:27
  assessments. Use a self evaluation tool to
• 1:12:31
  understand your current standing before moving forward.
• 1:12:33
  What could you use for that? Well, if you go to your bank
• 1:12:35
  account, you can type in spending habits and it will tell
• 1:12:40
  you, you spend this much on entertainment, this much on gas,
• 1:12:42
  this much on food, this much on eating groceries.
• 1:12:45
  It breaks it down for you, right?
• 1:12:47
  So you actually go in there and type your categories.
• 1:12:48
  It helps you keep track of where your money is going.
• 1:12:51
  And when you sit back and you look, OK, I had this much money,
• 1:12:54
  where was it going? And you look and you're like,
• 1:12:59
  damn, that's that's a lot of money.
• 1:13:03
  You know, like one thing, we eat out a lot.
• 1:13:05
  And you tell me constantly, we have food at home, right?
• 1:13:09
  We do. We do when I have nothing to do,
• 1:13:13
  we'll eat at home. But guess what?
• 1:13:15
  I always have something to do. Yeah.
• 1:13:17
  So it's really hard to to plan for that.
• 1:13:22
  So yeah, it just, it's one of those things that you got to
• 1:13:24
  really look at and understand. Now what I want you to do is I
• 1:13:32
  want you to think about those questions you have to ask
• 1:13:37
  yourself and see where you stand.
• 1:13:39
  We call that segment the Afterburn.
• 1:13:50
  In today's Afterburn, here are some questions for you to
• 1:13:53
  reflect on. Reflection question one.
• 1:13:56
  What's 1. Financial habit I want to
• 1:13:58
  automate. Reflection question 2.
• 1:14:01
  How can I make saving feel rewarding, not restrictive?
• 1:14:05
  Reflection question three. What does wealth mean to me
• 1:14:09
  beyond money? Murph, man, time for your final
• 1:14:12
  thoughts. The financial habit that I want
• 1:14:18
  is there's automatic payments, so you don't forget payments,
• 1:14:25
  OK? For example, let's say my
• 1:14:28
  mortgage is an automatic payment, right?
• 1:14:31
  Every payday, boom, it gets taken out.
• 1:14:33
  Everything's fine, right? But what if you screw up and you
• 1:14:37
  budget? Like I didn't screw up the
• 1:14:39
  number on your budget and I'm expecting $50.00 to be taken out
• 1:14:43
  based on my budget, and 1200 gets taken out.
• 1:14:48
  That's not going to be good, right?
• 1:14:53
  Or what if in some cases you need to postpone a payment a
• 1:14:56
  little bit like your utilities, you can skip it and pay double
• 1:15:05
  next month, right? Like Spectrum.
• 1:15:08
  There was one time I forgot to add it.
• 1:15:12
  I thought I paid it and I hadn't and I deleted it on my budget.
• 1:15:17
  And then when it came time to get my next bill, I it was twice
• 1:15:21
  double was due and I'm like, what?
• 1:15:22
  Why? And then I went back and
• 1:15:24
  realized what I did, you know, if I had had an automatic
• 1:15:27
  payment, the money would have been taken out.
• 1:15:28
  I would have been fine because it's part of my budget, right?
• 1:15:32
  But if I needed the money for, let's say, a car repair, you
• 1:15:36
  know, and OK, let me postpone this a little bit.
• 1:15:39
  I can't if it's automatic payments.
• 1:15:42
  So there's some. And then the other thing is,
• 1:15:44
  let's say I get paid on the 20th, but my Bill's not due to
• 1:15:46
  the 25th. I could pay everything on the
• 1:15:48
  20th and get out of the way. You've seen me payday morning.
• 1:15:51
  Boom, everything's done, right? But there's some bills that are
• 1:15:55
  auto pay that I have to wait for.
• 1:15:58
  And I hate that. I really hate that because if
• 1:16:00
  you try to pay some bills ahead of time, they still take out the
• 1:16:02
  automatic payment. So those are the kind of things
• 1:16:05
  that can happen, and you really, really, really don't want that
• 1:16:10
  to happen. OK, And last but not least, what
• 1:16:13
  does wealth mean to you beyond money?
• 1:16:16
  How about you, Connor? What do you think wealth is?
• 1:16:18
  How do you know you're wealthy? You're mentally good, you're
• 1:16:26
  financially good, your self esteem goes up if you know you
• 1:16:33
  have something in your life. Yeah, but I mean, also, even
• 1:16:41
  it's beyond money, money still is a big thing to it.
• 1:16:45
  So I don't have to say just living good, don't have to
• 1:16:50
  stress about anything. Have your savings, your
• 1:16:54
  emergency fund, all of that set up right?
• 1:16:56
  Yeah. If you have everything set up, I
• 1:16:58
  would say that's wealthy. Now, have you ever heard of the
• 1:17:01
  term generational wealth? Warren Buffett, the rich, one of
• 1:17:07
  the richest men in the world, has said when he died, his
• 1:17:10
  money's going to go to charities.
• 1:17:13
  His children are not getting a penny.
• 1:17:16
  He's like, if they didn't do anything with their life to
• 1:17:18
  succeed, that's on them. Who was the other person?
• 1:17:26
  How did he even get rich? Investing in Wall Street and
• 1:17:29
  stuff. Oh, who was the guy that talked
• 1:17:35
  about that? It was a celebrity that talked
• 1:17:37
  about that. Asked about what?
• 1:17:45
  God, I can't remember the celebrity.
• 1:17:47
  But anyway, he's somewhere with his kid and his kid goes, hey,
• 1:17:50
  can we buy that? He goes, do you have the money
• 1:17:52
  for it? He goes, Dad, you have the money
• 1:17:55
  for that and he goes, yeah, I got the money for that.
• 1:17:59
  But do you if, if I can remember the actor, that's it.
• 1:18:04
  It'd be funnier because you know who's saying it?
• 1:18:07
  But yeah, you cannot depend on me having money to give you when
• 1:18:13
  I die, besides life insurance. But you know what I mean?
• 1:18:16
  Like generational wealth where you can carry on.
• 1:18:19
  Like if I, for example, if I pass away, are you going to keep
• 1:18:21
  the business going and are you going to keep doing trivia for
• 1:18:24
  me that you know what I mean? Yeah, that's money, but it's not
• 1:18:27
  wealth because it's not saved up.
• 1:18:29
  It's used. You know, if I die, the business
• 1:18:30
  die, it's done. OK.
• 1:18:35
  So it it's important to understand that so that you're
• 1:18:39
  able to worry about yourself and not depend on other people.
• 1:18:46
  OK. Now one thing I will say is if
• 1:18:49
  you were married and you both are going to retire, when you
• 1:18:55
  retire at at a normal age 65 1/2, you can qualify for your
• 1:19:03
  spouse's benefit if they're higher.
• 1:19:05
  Like if if a housewife, right was a housewife and you were
• 1:19:09
  married for 10 years, then you get divorced.
• 1:19:13
  Well, it's not that house. I have to take care of herself.
• 1:19:16
  OK. But when she retires, if she
• 1:19:19
  never works another day in her life and the husband keeps
• 1:19:22
  working and earning his retirement, she can file for his
• 1:19:26
  retirement. He doesn't get affected, but it
• 1:19:30
  she gets that much more money. OK, so I tell people for
• 1:19:34
  disability and things like that, you have to work a certain
• 1:19:36
  amount of quarters. You get one point for every
• 1:19:39
  three months. So you need 40 points to get
• 1:19:41
  Social Security and that is 10 years of work.
• 1:19:48
  So always have money coming in and like for example, I have my
• 1:19:52
  teacher retirement and when do we get the the points?
• 1:20:00
  When we work at a job for three months and you get points.
• 1:20:05
  Like right now you have two or three points in your career.
• 1:20:09
  Is it how many ever many months you worked?
• 1:20:10
  OK, you have 17 or 37 to go. Keep track of that if you ever
• 1:20:18
  get a job like teaching, because once you go to teaching, you
• 1:20:22
  lose the retirement points, OK? And there's people you're like
• 1:20:27
  our cousin or your cousin, she's going into teaching at a very
• 1:20:30
  young age and she's going to have that retirement.
• 1:20:33
  All her money is going to go into that account and that's
• 1:20:34
  retirement. Great.
• 1:20:36
  But the government benefits, disability and everything don't
• 1:20:39
  count if you don't have any of that, OK?
• 1:20:43
  So you need to be able to work a paying job 10 years out of your
• 1:20:52
  lifetime. And it doesn't really matter how
• 1:20:55
  much you're making. If you're making $10 a week and
• 1:20:57
  it's just one day a week, and that's what you do for the rest
• 1:20:59
  of the 10 years, then you're paid.
• 1:21:02
  You have a Social Security income.
• 1:21:03
  You don't have a lot, but the disability and insurance and all
• 1:21:06
  that benefits can kick in. OK, when when you're thinking
• 1:21:14
  about that and you realize I can do X amount of things, then do
• 1:21:21
  it right. You know, go out and do
• 1:21:28
  different things and see what happens.
• 1:21:30
  If you can do that, then you're good.
• 1:21:33
  Or you can put all your money in one bread basket and that's all
• 1:21:36
  you're going to have. For example, Social Security.
• 1:21:39
  My whole life I've been talking that Social Security now, the
• 1:21:42
  amount that I'm expecting, I'm not going to have because they
• 1:21:45
  have to take money out of savings account or the
• 1:21:47
  government because they can control their spending.
• 1:21:50
  Yeah. You know, we have $40 trillion
• 1:21:53
  of debt in the country and it just keeps going up and up and
• 1:21:55
  up. One person is responsible for a
• 1:21:58
  lot of in the last eight years or 12 years.
• 1:22:01
  OK. But the first time I gave him a
• 1:22:03
  break because it was COVID and everything and people were just
• 1:22:06
  getting money left and right. But right now he's gone up 4
• 1:22:09
  trillion in two years. How much is he going to take up
• 1:22:12
  the the debt? You know, they're doing nothing
• 1:22:15
  to balance their budget. City government, state
• 1:22:18
  government, county governments, everyone is not balancing their
• 1:22:20
  budget. And look what happened with the
• 1:22:23
  school districts. They they had to fire a lot of
• 1:22:25
  people to get the job soon. Oh, yeah.
• 1:22:28
  OK. So, yeah, it's it's it's not a
• 1:22:30
  good thing. These are big corporations that
• 1:22:33
  can't even save their money. So what do you think the little
• 1:22:36
  people are like us are going to do?
• 1:22:38
  Nothing. Yeah, nothing.
• 1:22:40
  But. All right, let's get to another
• 1:22:44
  quick break and we'll be right back.
• 1:22:47
  It's time for a break. Hot takes with the Murph man.
• 1:22:50
  We'll be right back. I'm stepping out this hotel
• 1:23:18
  window and floors above. What's missing down there is
• 1:23:25
  love. Thinking through the smoke that
• 1:23:31
  fills my mind. Don't worry, it's not my first
• 1:23:37
  time amigo. So glad seeing you.
• 1:23:44
  I'm going to be seeing you around everybody else amigo.
• 1:23:53
  I will look for you since I step forward in this town.
• 1:24:15
  Say it's all inside heaven and hell.
• 1:24:21
  What happened to that Angel when he fell giving just one try?
• 1:24:29
  Tell me you don't like it. We got for a moment.
• 1:24:34
  We don't surprise it. Adios, amigo.
• 1:24:41
  So glad seeing you. I'm gonna be seeing you around.
• 1:24:50
  Adios, amigo. I've been looking for it.
• 1:25:26
  Step aside and breathe, play a little in the street.
• 1:25:32
  Hope it's not me they're sending all these fences, they eating,
• 1:25:45
  mending. So glad I seen you.
• 1:25:55
  I won't be seeing you around yous amigo.
• 1:25:57
  I've been looking for you since I stepped board in this town.
• 1:26:12
  Yous amigo see you. I won't be seeing you around.
• 1:26:30
  She's a thin boy in this town. The station where our veterans
• 1:27:19
  voices are heard. MBR talk.
• 1:27:22
  Hey, thanks for supporting our channel by watching and
• 1:27:25
  listening. Find us on the web at NB Radio.
• 1:27:29
  Before we get back to the show, Hot Takes with the Murph Man
• 1:27:32
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• 1:27:38
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• 1:27:40
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• 1:27:54
  borderlandssuccess.com and you can check out everything that we
• 1:27:57
  do there, including the trivia bingo, karaoke, MC hosting and
• 1:28:02
  most importantly this podcast. Pure hot takes is what you know,
• 1:28:07
  The website is purehottakes.com. So check it out.
• 1:28:10
  Why pure hot takes? Because hot takes with the
• 1:28:11
  Murphy has too long of a website.
• 1:28:13
  I try to make it shorter. But Speaking of technology, I
• 1:28:18
  want to get to my favorite part is technology for this.
• 1:28:22
  So let's hear the digital inferno.
• 1:28:32
  Automation is mandatory for building wealth.
• 1:28:36
  Automated investing. Utilize high yield savings
• 1:28:39
  accounts and robo advisors like Betterment or Wealthfront to
• 1:28:43
  automatically invest money into low cost index funds the day you
• 1:28:47
  get paid. Compound interest growth.
• 1:28:50
  Leverage digital tools to ensure your money is constantly
• 1:28:54
  leveraging compound interest for effortless growth paralysis
• 1:28:58
  prevention. Free yourself from the
• 1:29:00
  paralyzing fear of when or how to invest, allowing your money
• 1:29:04
  to grow effortlessly. Back to Murph Man to close the
• 1:29:08
  segment. All right, so automated
• 1:29:13
  investing, utilize high yield savings accounts and robo
• 1:29:16
  advisors like Betterment or Wet Wealthfront to automatically
• 1:29:20
  invest money into your low cost index funds the day you get
• 1:29:23
  paid. If you go into like say mutual
• 1:29:27
  America, that's one I used to use.
• 1:29:30
  And you say, these are the places I want my money to be
• 1:29:32
  going to. So next month, that's where they
• 1:29:35
  start. So that doesn't automatically
• 1:29:38
  for me. The money just goes in and they
• 1:29:39
  split it the way I want them to split it.
• 1:29:41
  So you can keep track of you can also say, oh, transfer from this
• 1:29:44
  one to that fund because I want to use this, you know, so that
• 1:29:47
  the investing, like I said, this is not investing advice.
• 1:29:50
  I'm not a an investment plan or anything.
• 1:29:53
  I'm giving you things you can do to invest.
• 1:29:56
  If you need that, go talk to an expert because I'm not it all
• 1:29:59
  right. Also, compound interest growth,
• 1:30:01
  growth leverage digital tools to ensure your money is constantly
• 1:30:05
  leveraging compound interest constantly is the word, the
• 1:30:09
  keyword there. It's building interest no matter
• 1:30:12
  what, OK? It builds interest no matter
• 1:30:18
  what. That's what I like about this
• 1:30:23
  and believe me, your interests will show when you're down the
• 1:30:27
  road it it comes automatically. And last but not least,
• 1:30:31
  paralysis prevention for yourself from the paralyzing
• 1:30:34
  fear of when or how to invest, allowing your money to grow
• 1:30:38
  effortlessly. And the the best advice I got of
• 1:30:42
  the, the best investor I know buy stocks and bonds of products
• 1:30:47
  you know and like you know. But I'm going to give you 1 tip
• 1:30:53
  right now. Invest in copper.
• 1:30:58
  Copper. Copper, there is a new
• 1:31:01
  technology out there. One of the hardest things to do
• 1:31:06
  is cool down. These supercomputers are using
• 1:31:09
  for AI. Well, researchers just found a
• 1:31:13
  system that they use with pure copper, like 99.95% that the way
• 1:31:19
  they have it set up with math and the algorithm and
• 1:31:22
  everything, it keeps the cost down of super cooling.
• 1:31:27
  And we're talking like 1/10 of a percent of what it is now.
• 1:31:34
  A lot different, OK, Saves a lot of money and everything.
• 1:31:38
  And I if that's the case and the way AI is going right now,
• 1:31:40
  they're going to need copper everywhere for that.
• 1:31:44
  So it's one of those things where you got to really, really
• 1:31:50
  understand what where your money is going here because if you
• 1:31:53
  don't, that's not a good thing. OK, If you do know where you're
• 1:31:59
  going to go, then you can definitely take advantage of all
• 1:32:03
  of that. OK.
• 1:32:06
  Now, one of the things that I also talk about here is when you
• 1:32:12
  invest and you do it with a lot of thought, you're not always
• 1:32:18
  going to be successful. It's still a gamble.
• 1:32:21
  So don't expect automatic returns right away, all right?
• 1:32:26
  Because what ends up happening is you have a, what's it called
• 1:32:37
  investing in an amount and a plan and do everything correct.
• 1:32:41
  And you still can't control what happens out in the public,
• 1:32:44
  right? Like if you're investing in it,
• 1:32:47
  all that it's going to go down in prices right now, OK.
• 1:32:51
  And then they go to war and it goes up.
• 1:32:53
  You have no control over that. So you can still lose even
• 1:32:55
  though you've done all your planning.
• 1:32:58
  This, this copper thing I'm talking about may not be that
• 1:33:02
  big of a deal, right. But with as much as I talk about
• 1:33:07
  AI and everything, I think that's important to to keep in
• 1:33:10
  mind, right? Yeah.
• 1:33:12
  Understand what's coming up and what they're doing because
• 1:33:15
  literally if they could do that and change all of these metal
• 1:33:19
  power plants and everything, it would change the game for
• 1:33:22
  everybody. It really, really would because
• 1:33:24
  you don't have to have all the Super cooling and all the water
• 1:33:26
  and everything. I don't know if you want to look
• 1:33:29
  up what it is. I'm just curious.
• 1:33:32
  But yeah, so when you think about investing in digital.
• 1:33:36
  What am I looking up? Look up copper chip or copper
• 1:33:39
  plated chip for AI cooling. Anyway, when you're investing
• 1:33:46
  it, there's no guarantee. They say like you're keeping
• 1:33:49
  money under your bed is the best thing to do, save money, but
• 1:33:51
  you're earning no interest on it, putting in savings and not
• 1:33:55
  worrying about just sticking it anywhere.
• 1:33:57
  If you if you're just starting off, that doesn't matter.
• 1:33:59
  But when you're talking about 50-60 years old, you've been
• 1:34:02
  doing it for 4550 years. Where you put your money really
• 1:34:05
  matters because there's place that charge you fees, there's
• 1:34:07
  place that charge you monthly percentages, service fees, every
• 1:34:11
  transaction, there's all those things add up.
• 1:34:14
  OK, Think about it. If I give you $100 to go eat out
• 1:34:18
  and you go eat out and you keep the $100 in, you know, while
• 1:34:20
  you're eating out, I think I want to buy a shake as I leave.
• 1:34:23
  There's 2 bucks or 5 bucks now and 10 bucks in some cases, and
• 1:34:27
  then you go somewhere else before you know that money is
• 1:34:28
  just gone and they have nowhere to track it.
• 1:34:31
  That's what happens with these service fees and everything with
• 1:34:32
  the investing because you don't really see that.
• 1:34:34
  They just take it as part of their fund percentage.
• 1:34:38
  So just be aware of that. Did you find anything?
• 1:34:43
  Just the percentages. I mean, what do you want me to
• 1:34:46
  actually look up? A new product.
• 1:34:48
  New product. Yeah, so one one thing I told
• 1:34:55
  Connor is TikTok when it comes out.
• 1:35:00
  You must create. Come on.
• 1:35:02
  I know we're connected here only, sorry.
• 1:35:14
  If you think about this, this is where I think the biggest.
• 1:35:16
  Here it is. Hey everyone.
• 1:35:18
  So let's look at Mueller's industry Today they published
• 1:35:21
  their earning and the reported revenue of 1.43 billion.
• 1:35:24
  The stock price is also up by. If you think.
• 1:35:27
  And this little guy right here is even though this.
• 1:35:30
  If you think the AI. And a tiny copper wire is
• 1:35:33
  slowing down the entire AI industry.
• 1:35:34
  Inside modern data. Centers thousands of GPU's need
• 1:35:37
  to exchange enormous amounts of information, but the copper
• 1:35:40
  connections between them are starting to hit their physical.
• 1:35:44
  So that that's the thing, that's the latest thing.
• 1:35:47
  If you just, I just scroll through a few Tik Toks so you
• 1:35:49
  can see or hear they have, they're coming up with new
• 1:35:55
  things and it's has to do with copper.
• 1:35:57
  So be aware of that and you'll be surprised at what's going to
• 1:36:01
  come out. You know, if you follow AI,
• 1:36:03
  which I know you don't, Connor, but they also did something with
• 1:36:06
  open AI and Claude and all that. Have you heard they give it
• 1:36:10
  access to some things and it took over the system.
• 1:36:14
  Oh God. And started doing things that
• 1:36:22
  weren't programmed. And, you know, it was
• 1:36:23
  programmed. It programmed itself to do more.
• 1:36:25
  That wasn't they didn't they couldn't stop it.
• 1:36:30
  And you know, everyone talks about the Terminator series and
• 1:36:34
  how our worlds could go to the robots.
• 1:36:37
  That's a real possibility. That's a very real possibility.
• 1:36:41
  That's, you know, hopefully they're not going to take over
• 1:36:45
  the world that I don't. I'm not saying that.
• 1:36:47
  I'm saying they are going to be running a lot of things that we
• 1:36:57
  do now and. What even is Terminator about?
• 1:37:01
  Trying to think about? I'm like, what even is about?
• 1:37:04
  I've never seen it. I'm never trying to be funny.
• 1:37:07
  Well, you've seen three-part of the four, No, but you've never
• 1:37:11
  seen the one. I've seen part of it.
• 1:37:13
  I've never seen the full movie. OK, so the way it is is right
• 1:37:17
  now, the world's fine. This, this, this is you and me.
• 1:37:19
  OK? OK, one day you are going to
• 1:37:22
  change the world and skill all the robots that take over the
• 1:37:27
  Earth. OK?
• 1:37:28
  What? Robots.
• 1:37:30
  In the future, the robots that that take over the earth.
• 1:37:32
  That's the premise of the movie Cyberdyne.
• 1:37:34
  So you know it's happening. No, no, Right now you and I
• 1:37:36
  don't know that, but one day you're going to grow up and
• 1:37:38
  you're going. To Oh, OK.
• 1:37:39
  Do that the robots took over and you stopped them.
• 1:37:44
  They sent back a robot in time to kill you, to terminate you.
• 1:37:51
  And if they kill you, you don't advance and go into the future.
• 1:37:57
  That makes sense. OK.
• 1:37:59
  And the second one, the robot and I remember these are robots.
• 1:38:03
  They all look alike, right? They're the same robot made 100
• 1:38:06
  million times, right? They send the robot back, the
• 1:38:08
  moms like you're back, you're trying to kill me because no,
• 1:38:11
  I'm here to save you. It's a little confused because
• 1:38:14
  like the last time you were here, it's not the same robot,
• 1:38:18
  but they send another robot more advanced.
• 1:38:20
  And that's the one you've seen that the silver they shoot in
• 1:38:22
  and like recreates itself and everything and they can morph
• 1:38:25
  into thing and you know, they they fight that person.
• 1:38:31
  And then in the third one, they have a robot come back from the
• 1:38:36
  future that's much, much more advanced.
• 1:38:39
  And it leads to the end. I don't want to give away, but
• 1:38:46
  how he starts his revolution. So in a way they caused him to
• 1:38:55
  do what he did. Does that make sense?
• 1:38:59
  Yeah, I just got to see it. So it's funny, that's the whole
• 1:39:03
  time paradox of time travel. If you go back in time, you
• 1:39:07
  change something, it changes the future.
• 1:39:09
  That's where the butterfly effect.
• 1:39:10
  You step on a a Roach now, it could end the world in 10 years,
• 1:39:14
  right? So you got to be real, real
• 1:39:21
  careful with that. Like for example, in the paradox
• 1:39:23
  is what if I go and kill myself after I created the The Time
• 1:39:27
  Machine or before I created The Time Machine.
• 1:39:29
  How did I travel back in time to see you if you never built The
• 1:39:34
  Time Machine because you were dead?
• 1:39:35
  That that's not possible. So that's where the time paradox
• 1:39:39
  comes from. Well, make a robot kill yourself
• 1:39:47
  and that robot just stays on. No no, I'm saying like they say
• 1:39:52
  the the first example is more current than those.
• 1:39:56
  Why not just travel back in time and kill him when he's a baby?
• 1:40:00
  I mean, he could. Right.
• 1:40:02
  And that stops everything. But the timeline is screwed up.
• 1:40:07
  Yeah. And that's where you get all of
• 1:40:08
  the time machines and CTA and all that.
• 1:40:11
  Is it CTATVATVA? So, you know, that's what
• 1:40:15
  happens with time travel. OK.
• 1:40:20
  I I, I, I love, I love time travel movies that are not too
• 1:40:26
  complicated. Too complicated?
• 1:40:28
  Yeah, you're saying that's not too complicated?
• 1:40:33
  No, it's, it's simple to follow. They write it so you understand
• 1:40:36
  it. But what I hate is when they're
• 1:40:39
  in a movie and they have a flashback to something and
• 1:40:44
  you're like, OK, so that explains this.
• 1:40:47
  All right, go on. Flashback to something that
• 1:40:49
  explains what happens next. You know when that's happening a
• 1:40:55
  lot, It's it's so confusing. But the best example I can come
• 1:41:00
  up with is the movie Memento. Have you ever seen that?
• 1:41:04
  You Well, you don't remember seeing it.
• 1:41:08
  There's a guy, he wakes up in the morning and he has a tattoo
• 1:41:12
  on him that says kill the Murph man, right?
• 1:41:16
  Or whatever. So he's like, what?
• 1:41:20
  And he looks around and he has all these tattoos on him.
• 1:41:22
  He doesn't remember anything. Then someone sees him like, hey,
• 1:41:26
  you know, you come here all the time, You don't have memory.
• 1:41:29
  You lose it every day. So you tattoo yourself and gives
• 1:41:31
  him the explanation of why he has tattoos.
• 1:41:34
  So then as he's doing this and killing people, it's actually
• 1:41:40
  going backwards in storytelling. OK, let me explain to you how
• 1:41:45
  come you have killed the Murph man?
• 1:41:46
  It goes to that. Oh, that explains the tattoo.
• 1:41:50
  The next stop, it goes further back and goes up to that first
• 1:41:53
  point where you start, you know, and it's actually going
• 1:41:55
  backwards. It's not time travel, but it's
• 1:41:57
  going backwards and to the very beginning of how it started.
• 1:42:00
  And the ending is the beginning of the story and it's a trip.
• 1:42:07
  It's a complete trip, you know, things like that, that if you're
• 1:42:15
  following it closely, it makes complete sense.
• 1:42:17
  And you get it, you know, And what's funny, I'll tell you, and
• 1:42:20
  there's no spoiler. This guy right here was, I don't
• 1:42:25
  know, 1011 years old, watching The 6th Sense.
• 1:42:31
  And so in the middle of the movie he goes, but he's dead.
• 1:42:34
  How's he talking to him? I mean, if there's no way in
• 1:42:38
  hell you knew that, right? But he did.
• 1:42:42
  He figured it out. One of the only person I ever
• 1:42:44
  met that figured out Sixth Sense.
• 1:42:46
  The guy's dead in the middle of the movie, not at the very end.
• 1:42:50
  I got to say it again. I don't remember the. 60 you
• 1:42:52
  don't remember but yeah, you know, but now that you know that
• 1:42:55
  he's dead and it's like. I don't remember, like how I
• 1:42:59
  figured that out. You don't remember that point in
• 1:43:01
  the movie. Yeah, there's a lot of movies
• 1:43:03
  that have A twist at the very end.
• 1:43:05
  So like another movie is The 13th Floor that I like.
• 1:43:11
  You're watching it and you're like, this is boring, this is
• 1:43:13
  boring, this is boring. This is a little exciting little
• 1:43:16
  boring, little boring little excitement and comes like, Oh my
• 1:43:19
  God, that's the best movie ever. Like I don't I that's how it'll
• 1:43:23
  be If you watch the 13th floor, trust me, you'll like that
• 1:43:26
  movie. You know, that's another one of
• 1:43:27
  those, but I don't. Like that movie that has
• 1:43:32
  different points like point of views and all it comes into one.
• 1:43:37
  Oh my God. Like with the ambulance with.
• 1:43:46
  Yeah, I, I know what you're talking about.
• 1:43:49
  It like it, it get, it's there's one with the president's being
• 1:43:52
  assassinated and it has Dennis Quaid in it.
• 1:43:54
  Look it up. Dennis Quaid, a service secret
• 1:43:56
  agent. Secret Service agent.
• 1:43:59
  And there's people in the story and it starts at the same point
• 1:44:03
  and goes back to how they're involved up to that point.
• 1:44:05
  And then the story carries on after all eight stories are
• 1:44:07
  told. Did you find it, Dennis Quaid?
• 1:44:12
  Yeah, I found it him, but I don't know.
• 1:44:13
  I told you Secret, Dennis Quaid, Secret Service.
• 1:44:18
  And Vantage Point. Vantage vantage point the
• 1:44:22
  different points of view that's why that's that's so interesting
• 1:44:24
  OK and it does that it it has the point of view from every
• 1:44:29
  character all. For one scene, that makes sense.
• 1:44:34
  No, not no, not one scene it. Yeah.
• 1:44:36
  Point in time and eight people's story to this point, and then
• 1:44:40
  the movie. OK, hold on.
• 1:44:41
  Something's going on. Oh, you're touching it.
• 1:44:44
  There you go. The eight points come into one
• 1:44:51
  point and then the story carries on.
• 1:44:53
  Yeah, it doesn't just end on the scene.
• 1:44:55
  Not. Saying it ends on the same scene
• 1:44:56
  it comes together. Well, like the 13th floor, it
• 1:45:00
  something happens and the movie's over like a minute
• 1:45:03
  later. No, this one actually has a
• 1:45:05
  storyline after it. Yeah, you know, Wow.
• 1:45:09
  But now that you understand who the players are and everything
• 1:45:11
  and why as it goes on, it's, it's like, it's the suspense
• 1:45:14
  built up, you know? Yeah.
• 1:45:17
  But I'll tell you what, let's take one last break so we can go
• 1:45:20
  to get to the final burn of today, all right?
• 1:45:25
  Sounds. Good technical difficulty, they
• 1:45:33
  tell you. Top right, top right, it's just
• 1:45:36
  audio shot. Oh.
• 1:45:41
  It's time for a break. Hot takes with the Murph man.
• 1:45:43
  We'll be right back. Thank you.
• 1:45:47
  Welcome. You almost did that.
• 1:45:49
  Any credits? I know.
• 1:45:59
  I wonder what was going on inside Man in Black's mind.
• 1:46:06
  Was he missing Jim? Was he thinking by when that
• 1:46:11
  picture was now? Was he wishing he could go hurt?
• 1:46:17
  And he knows life. It's over.
• 1:46:21
  Hey, that camera flies the last picture of Johnny Cash.
• 1:46:27
  The lights. Unfair show hard show.
• 1:46:37
  Grace go retool the shades of blood once he whispering a
• 1:46:48
  prayer through that cold the day the camera fled that picture of
• 1:46:58
  Johnny Cash. Could he have an Angel band?
• 1:47:10
  Don't sing in beautiful land worthy fighting the tears bed.
• 1:47:16
  Was he still here in his mind or somewhere on the other side?
• 1:47:27
  The day, the camouflage, less visual, Johnny.
• 1:47:41
  The last picture of Johnny Cash.
• 1:48:13
  Wonder what was going on inside the man in the Last Mind Day old
• 1:48:22
  Marty Fly this picture of Johnny Cash.
• 1:48:48
  The station where our veterans voices are heard.
• 1:48:51
  MBR talk. Hey, thanks for supporting our
• 1:48:54
  channel by watching and listening.
• 1:48:56
  Find us on the web at NB Radio. Before we get back to the show,
• 1:49:01
  Hot Takes with the Murph Man streams live every Saturday at
• 1:49:04
  12:00 PM Eastern with military broadcast radio at MB Radio dot
• 1:49:08
  US. We give veterans a voice.
• 1:49:10
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• 1:49:12
  Check out all our socials at Pure Hot Takes.
• 1:49:14
  Head over to purehottakes.com to stay locked in.
• 1:49:27
  All right, I'm looking at an e-mail I got here where I play
• 1:49:32
  the trivia question, Right. And then got copyright strike.
• 1:49:39
  So I challenged it. And then I just got this and it
• 1:49:41
  says your redispute wasn't reviewed within 30 days.
• 1:49:44
  So the claim on your YouTube video has now been released.
• 1:49:49
  This is view options. Like, what options do I need?
• 1:49:51
  I'm just curious. Yeah, no action is allowed.
• 1:49:54
  Except that sounds like. What am I supposed to do?
• 1:49:56
  It was released. What can I, you know, Anyway,
• 1:49:59
  stupidity. What can I say?
• 1:50:01
  Oh my gosh, it's been an interesting show.
• 1:50:07
  The show was cursed from the very beginning I think.
• 1:50:11
  We all have those. Yeah, you know, Etienne is
• 1:50:14
  trying to get into his TikTok, and he's having trouble there,
• 1:50:17
  too. Because you know the TV, it was
• 1:50:20
  not working. Either Oh yeah, we have a
• 1:50:21
  display here and for some reason it's on rotated vertical.
• 1:50:28
  Yeah, but it's rotated to portrait, which makes no sense.
• 1:50:30
  I put it to landscape and it still spread so I don't know why
• 1:50:33
  it's rotated. It's supposed to be an HDMA for
• 1:50:36
  my feed which is normal. I don't know and I don't know.
• 1:50:41
  It really, really screwed us up to date.
• 1:50:44
  Yeah, I do. But let's get to today's final
• 1:50:46
  take before we end the show. You ready for that?
• 1:50:49
  Yep. The final take from today's
• 1:50:59
  discussion is that building wealth isn't about luck, it's
• 1:51:03
  about habits. Automate the boring stuff and
• 1:51:06
  let your money hustle while you sleep.
• 1:51:08
  Back to Murph man to wrap the show.
• 1:51:18
  You were talking on the break, So yeah, building wealth isn't
• 1:51:22
  about luck. You're not trying to win the
• 1:51:25
  lottery here. You're actually building habits
• 1:51:26
  that will increase your investment, increase your
• 1:51:30
  savings for emergency funds, and manage your money in appropriate
• 1:51:34
  manners. And if you do it right, you'll
• 1:51:36
  learn money while you sleep. I'll close that.
• 1:51:40
  Imagine we get up in the morning and boom, oh, real quick, we
• 1:51:44
  have a savings account that a new account we just started.
• 1:51:47
  Do you remember the money where we came from we put into savings
• 1:51:49
  so we wouldn't touch it? No, we need it in January.
• 1:51:55
  What are you talking about? Hold on.
• 1:52:00
  Oh. Remember we put that into
• 1:52:02
  savings. Oh yeah, now you remember right.
• 1:52:05
  We earn $0.23 interest this month.
• 1:52:07
  Oh wow, this month. This month and we didn't even
• 1:52:11
  have the whole month, so just on that alone, next month we might
• 1:52:18
  have. $0.46 No, no, no. It probably will be closer to
• 1:52:21
  like 50, yeah, 46, but, but, but I'm saying between 50 and 75,
• 1:52:27
  you know, because we didn't have the money into the home month.
• 1:52:31
  So it's, it's, it'll be a little higher, but yeah.
• 1:52:34
  So we made $0.23 while we're sleeping.
• 1:52:38
  Wow. I know you don't care about
• 1:52:40
  that. That's something, that's
• 1:52:44
  something 70 more cents. I can get a polar pop.
• 1:52:51
  If you don't know, join INNER Rewards on Circle K and you get
• 1:52:56
  US Polar Pop for $0.85 with tax included.
• 1:52:59
  It's the best deal out there, you know, and sometimes they
• 1:53:02
  have like deals for hot dogs and stuff like that.
• 1:53:05
  If you like those hot dogs, they're not the best, but I
• 1:53:07
  mean, they're not bad either. I I want to get the
• 1:53:09
  cheeseburger, you know, that's what I would.
• 1:53:12
  Choose really. Their pizza is Godfather's Pizza
• 1:53:15
  I. Don't have any.
• 1:53:17
  Every time I go they don't have any.
• 1:53:19
  Well, I want chicken Nuggets. They don't have any.
• 1:53:22
  Chicken Nuggets and circle. K they have like chicken nug,
• 1:53:25
  like popcorn Nuggets. Really, I don't need Nuggets.
• 1:53:29
  You know Walmart, they have it also.
• 1:53:31
  Yeah, no, Walmart has in the front.
• 1:53:33
  They have like the stuff there, Yeah.
• 1:53:34
  Same with Circle K. Well, I'm saying I didn't know
• 1:53:39
  they had chicken Nuggets. Yeah, I knew they had food like
• 1:53:41
  burrito Nuggets like that came. That's OK.
• 1:53:44
  That we went to where we were yesterday.
• 1:53:46
  Popcorn Nuggets, OK. Well, but they have burritos in
• 1:53:48
  the morning. Oh, man, there's some good
• 1:53:50
  burritos, but they actually have a kitchen there.
• 1:53:53
  So it's the one on Triple Hills in the battle.
• 1:53:56
  Yeah, I like that circle. OK, Anyway, I think that's it
• 1:53:59
  for today. We're going to cut it a little
• 1:54:00
  short. Not much.
• 1:54:02
  Just what time is it? 7 minutes short.
• 1:54:06
  Yeah, you know, but I've said all I had to say about saying,
• 1:54:10
  do you have anything you want to say?
• 1:54:12
  Anything. I have no.
• 1:54:14
  That's not related to the show. Go Bills.
• 1:54:16
  I'm kidding. What?
• 1:54:18
  Do you play this week? Patriots, we're going to win,
• 1:54:25
  we're going to go 4 and O. What I want to see is Raiders
• 1:54:29
  and Chiefs both 3 and O teams same division.
• 1:54:33
  Is that this weekend? Yes.
• 1:54:34
  Yeah. Well, three and O duh.
• 1:54:35
  Yeah. But so why?
• 1:54:38
  Why do you hate the Patriots so much?
• 1:54:41
  They're in our division, they're the only competition we have and
• 1:54:46
  somehow we lose to them. We win.
• 1:54:48
  They stop you in the championship.
• 1:54:49
  Playoff we lose. Yeah, either to them or the
• 1:54:52
  Chiefs. I hate the AFC.
• 1:54:55
  This might be a different year. Oh yeah, definitely.
• 1:54:58
  It might be. We're going to win against them
• 1:55:00
  in the. Yeah, so the Cowboys didn't do
• 1:55:02
  the Super Bowl. Yeah, no, maybe they they have a
• 1:55:06
  chance to go to playoffs and actually get out of first round,
• 1:55:09
  but the championship? Nah, not even that.
• 1:55:13
  Well, it's too funny. But I'm gonna say, everybody
• 1:55:17
  says we're gonna lose to the Rams Week 5.
• 1:55:21
  We are going at least 5 or no. We're winning our first five
• 1:55:26
  games. I don't care what anybody says.
• 1:55:28
  And what about your college team, UTIP?
• 1:55:31
  Oh, they're not my team. Screw them.
• 1:55:35
  I go to that. That's my team.
• 1:55:37
  I don't know. I don't pay attention.
• 1:55:41
  To that last week you got select for your homecoming.
• 1:55:45
  Yeah, 7:33. Yeah, not good.
• 1:55:49
  All right, y'all. That's it for today.
• 1:55:51
  I am the Murph man. I'm Connor.
• 1:55:53
  Thanks for watching. That's a wrap on this episode.
• 1:55:57
  If you're looking for more, you can find all the best clips from
• 1:55:59
  the show on our social media pages.
• 1:56:01
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• 1:56:03
  about today, visit purehottakes.com.
• 1:56:06
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• 1:56:09
  premium content, subscribe now at stream915.com.
• 1:56:13
  We appreciate you tuning in. Ladies and gentlemen, thank you
• 1:57:05
  for tuning in to Military Broadcast Radio As we wrap up
• 1:57:10
  today's show, We. Want to remind you that the
• 1:57:13
  podcast of today's episode will be available right after we go
• 1:57:17
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• 1:57:22
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• 1:57:27
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• 1:57:32
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