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Money, Money, Money... · Billy & Lisa in the Morning: The After Show

• 0:00
  Speaker 1: Okay, why are you scared? Producer Riley? Oh, I got
• 0:03
  Speaker 1: you on Mike.
• 0:03
  Speaker 2: Then I was fiddling with the level of my volume
• 0:08
  Speaker 2: and you always do, and then it gets really loud
• 0:12
  Speaker 2: in my.
• 0:12
  Speaker 1: Ears because it's Billy Costa's.
• 0:14
  Speaker 2: Headphone Jack, who is apparently deaf.
• 0:16
  Speaker 1: Yeah, it's really it's really bad. Anyway, Hi, guys, welcome
• 0:18
  Speaker 1: to the AFT to show. Justin here. Riley is here.
• 0:21
  Speaker 1: She was in here before we started about a separate
• 0:24
  Speaker 1: topic aka asking me for life advice. Always imagine me
• 0:28
  Speaker 1: giving life advice. Although I think I am a good
• 0:31
  Speaker 1: person that.
• 0:32
  Speaker 2: You've lived so much life that you're honestly the best
• 0:34
  Speaker 2: person to.
• 0:35
  Speaker 1: Ask thank you. Yeah, well, I am a sponsor. Do
• 0:38
  Speaker 1: you know what that is?
• 0:39
  Speaker 2: Yeah, when other people are going through in recovery, I
• 0:42
  Speaker 2: was gonna say rehab and I was like, that doesn't
• 0:44
  Speaker 2: seem like.
• 0:44
  Speaker 1: A word that they have, more like counselors. But when
• 0:48
  Speaker 1: you get out of rehab, they suggest, highly suggest that
• 0:51
  Speaker 1: you get a sponsor, somebody that you can talk to.
• 0:54
  Speaker 1: And remember that dart board thing I told last week
• 0:57
  Speaker 1: that was from my sponsor.
• 0:58
  Speaker 3: Gotcha. Yeah, so you you help people.
• 1:01
  Speaker 1: I have guys that I that I work with cool. Yeah,
• 1:03
  Speaker 1: it's one of those weird things that when you get clean,
• 1:06
  Speaker 1: they tell you to do several things, right, like obviously
• 1:10
  Speaker 1: go to meetings if that's what you choose to do,
• 1:11
  Speaker 1: get a sponsor, ask for help, and you're supposed to
• 1:14
  Speaker 1: ask another guy. If you're a guy, it's like ask
• 1:17
  Speaker 1: him on a date, you know, like hey, coffee, will
• 1:20
  Speaker 1: you be my sponsor?
• 1:21
  Speaker 3: Oh?
• 1:21
  Speaker 1: And you find somebody that you identify with and also
• 1:26
  Speaker 1: that has what you want.
• 1:27
  Speaker 3: It's literally like a mentor.
• 1:29
  Speaker 1: Yeah. So for me, all the years that I tried
• 1:32
  Speaker 1: to like get my life together, there was like short
• 1:34
  Speaker 1: stints that I would kind of stay clean and sober,
• 1:37
  Speaker 1: but I would always ask people that like guys that
• 1:40
  Speaker 1: had nice sneakers yeah, or nice cars. I'm like, that's
• 1:44
  Speaker 1: what I want, that's what you want. And it failed
• 1:46
  Speaker 1: because you're supposed to You're supposed to go after what
• 1:48
  Speaker 1: they have inside, you know, And so can be both.
• 1:52
  Speaker 1: It could be both. But anyway, the guy that I
• 1:54
  Speaker 1: asked was a guy that had like twenty years clean
• 1:57
  Speaker 1: and I listened to him share and I'm like, man,
• 2:00
  Speaker 1: that's like what I want. I want that piece. And
• 2:03
  Speaker 1: so I asked him and he's been worth me ever since.
• 2:06
  Speaker 1: So it's been a long time. I've been with him
• 2:09
  Speaker 1: a long time, many many years.
• 2:11
  Speaker 2: Can I ask a weird question, Are you like friends
• 2:13
  Speaker 2: or yeah, kind of like a working relationship?
• 2:16
  Speaker 1: Good question, No, I say we are friends. We're both Okay,
• 2:19
  Speaker 1: we're both and he knows the ins and outs of
• 2:21
  Speaker 1: my life and my soul. Wow, because we've done a
• 2:25
  Speaker 1: lot of work together. Yeah, so we've shared things with
• 2:28
  Speaker 1: each other. I'll tell you a quick story, please do so.
• 2:32
  Speaker 1: In recovery, you do what's called step work. Right, you
• 2:36
  Speaker 1: have the twelve steps of recovery and the fourth step,
• 2:39
  Speaker 1: the fourth and fifth step. The fourth step is really
• 2:41
  Speaker 1: one of the tougher ones because that's when you write
• 2:44
  Speaker 1: what's called your inventory. So the meaning you tell all
• 2:47
  Speaker 1: your deepest, darkest secrets. That means who you've slept with,
• 2:50
  Speaker 1: who's hurt you, who you've hurt, the people that you
• 2:53
  Speaker 1: you know, everybody in your life. And it's really hard
• 2:56
  Speaker 1: to write those things down to like relive those Yeah,
• 3:00
  Speaker 1: you know, so I did mine, and now mind you,
• 3:03
  Speaker 1: before I had done it, he had told me, he said,
• 3:06
  Speaker 1: when I did mine, many years ago, I sat down
• 3:09
  Speaker 1: with my guy and at the end of going over it,
• 3:12
  Speaker 1: he said, is there anything else that you haven't shared?
• 3:15
  Speaker 1: And there was one thing that happened to him when
• 3:17
  Speaker 1: he was a little kid that he was never going
• 3:19
  Speaker 1: to tell another soul. And so at the end when
• 3:21
  Speaker 1: he asked him that question, is there anything else that
• 3:23
  Speaker 1: you did not write down? He hesitated and then he said, okay,
• 3:28
  Speaker 1: this is one thing, and he told him and the
• 3:30
  Speaker 1: guy said to him, okay, now let me tell you
• 3:32
  Speaker 1: about myself, and like at the same thing had happened
• 3:36
  Speaker 1: to his sponds. Isn't that crazy? So I did mine,
• 3:40
  Speaker 1: and you know, there was a situation that happened when
• 3:43
  Speaker 1: I was younger that I won't get into now, but
• 3:45
  Speaker 1: I was never going to tell any It was the
• 3:46
  Speaker 1: same story. So at the end of like going it
• 3:49
  Speaker 1: was like a whole It was like a nine month process,
• 3:51
  Speaker 1: this this work that we did. And at the very end,
• 3:53
  Speaker 1: he said, now that you've told me everything, is there
• 3:55
  Speaker 1: anything that you haven't said? And it was like the
• 3:58
  Speaker 1: exact situation, And I go, there is one thing and
• 4:02
  Speaker 1: I told it to him. I never told anybody else.
• 4:05
  Speaker 1: And he goes, remember, I said that story about me
• 4:07
  Speaker 1: and my sponsor. Well, let me tell you what mine was,
• 4:10
  Speaker 1: and it was the same exact thing. Wow, which is
• 4:13
  Speaker 1: like powerful because you know I wasn't alone and.
• 4:16
  Speaker 2: It's like you guys were meant to help each other.
• 4:18
  Speaker 1: I get that too. Yeah that too. So yeah, I'm
• 4:20
  Speaker 1: still with me. He's getting older now, he's almost seventy now,
• 4:23
  Speaker 1: oh wow. Yeah, he's retired and stuff. So we don't
• 4:26
  Speaker 1: talk as often now, only because actually, I want to
• 4:29
  Speaker 1: ask you about this. I'm not a big phone talker,
• 4:32
  Speaker 1: are you not?
• 4:33
  Speaker 3: Really?
• 4:34
  Speaker 1: I know you're on the younger end. So you grew
• 4:36
  Speaker 1: up with texting. Yeah, but in that world, it was
• 4:39
  Speaker 1: always you pick up the phone and you call people
• 4:42
  Speaker 1: and you like chat with them. So I would call
• 4:44
  Speaker 1: him like once a week. But now between me not
• 4:47
  Speaker 1: wanting to talk on the phone because of like iPhones
• 4:50
  Speaker 1: and texting, yeah, I also talk for a living.
• 4:55
  Speaker 3: Yeah that's true too.
• 4:56
  Speaker 1: Yeah, And I had this routine of calling him on
• 4:58
  Speaker 1: my way home from work. But when I leave here.
• 5:00
  Speaker 3: You're tired, and you're like, I want to be silent.
• 5:02
  Speaker 1: I've seen the show in the podcast. Yeah, I want
• 5:05
  Speaker 1: to say nothing at all, so I don't.
• 5:09
  Speaker 3: Well, do you sing in the car or anything? No,
• 5:11
  Speaker 3: you listen to podcasts.
• 5:11
  Speaker 1: I listen to podcasts, I listened to I listened to
• 5:14
  Speaker 1: music depending like, have we listened to Prince a lot lately?
• 5:19
  Speaker 3: Which makes sense?
• 5:20
  Speaker 1: Yeah, because One Dubs Cry in Purple Rain.
• 5:22
  Speaker 2: Purple Rain is all over my everything right now? Really
• 5:25
  Speaker 2: well because of Stranger Things.
• 5:26
  Speaker 1: Yeah, oh yeah, yeah, yeah yeah, One Dubs Cry is
• 5:28
  Speaker 1: the one my my son likes. It's more upbeat. Yeah,
• 5:30
  Speaker 1: he didn't really get into the slow song much, but
• 5:34
  Speaker 1: yeah it's a good song. Did you know that song
• 5:36
  Speaker 1: before Stranger Things?
• 5:37
  Speaker 2: I don't think so actually, but I was singing it
• 5:39
  Speaker 2: the other day, like around the house, and my mom
• 5:41
  Speaker 2: was like purple Like we're oh yeah.
• 5:44
  Speaker 1: I mean think about how cool that is. Like my
• 5:46
  Speaker 1: son eight years old, has no idea who Prince it still, doesn't,
• 5:49
  Speaker 1: you know. And we're driving it to the car wash
• 5:51
  Speaker 1: and he's like, can you put on that song?
• 5:53
  Speaker 3: Yeah?
• 5:53
  Speaker 1: This is maybe I'm just like my mother. He sings
• 5:56
  Speaker 1: the lyrics to it, and so I put it on.
• 5:58
  Speaker 1: So there you go.
• 5:58
  Speaker 2: Anyway, Oh wait, sorry about the phone thing. I have
• 6:02
  Speaker 2: a friend that loves facetiming. I hate I am like
• 6:05
  Speaker 2: I don't like I want to talk to you, but
• 6:07
  Speaker 2: like I don't like want to do it like this.
• 6:10
  Speaker 3: But one thing I do love is voice like notes
• 6:14
  Speaker 3: on text.
• 6:14
  Speaker 1: I don't use those.
• 6:15
  Speaker 3: They're amazing.
• 6:16
  Speaker 2: I almost sent you a voice note the other day
• 6:17
  Speaker 2: and I was like, is he gonna be like what
• 6:20
  Speaker 2: are you doing? But I ended up it was like,
• 6:22
  Speaker 2: I'll just tell them at work, and I did earlier,
• 6:24
  Speaker 2: so it doesn't matter.
• 6:24
  Speaker 1: But send me a voice note.
• 6:26
  Speaker 3: Okay, cool?
• 6:26
  Speaker 2: But yeah, I love going back and forth back and
• 6:28
  Speaker 2: forth with people, like sending voice notes. Me and my
• 6:30
  Speaker 2: friend Sonny do it all the time.
• 6:32
  Speaker 3: Yeah, this is the best.
• 6:33
  Speaker 1: My wife has a friend that sends only voice notes,
• 6:35
  Speaker 1: but she like will ramble.
• 6:37
  Speaker 3: Oh me too.
• 6:38
  Speaker 1: Yeah, it'll be like three paragraphs of talking. Yeah, could
• 6:41
  Speaker 1: you do so much more?
• 6:42
  Speaker 2: Sometimes it'll be like three minutes long, and I'll be like,
• 6:43
  Speaker 2: I'm so sorry for this, Like i don't even know
• 6:46
  Speaker 2: where I was going with this.
• 6:47
  Speaker 3: I'm so sorry.
• 6:48
  Speaker 1: Just word vomiting.
• 6:49
  Speaker 3: Oh absolutely.
• 6:50
  Speaker 2: Or if I'm like stuck I have something to tell somebody,
• 6:52
  Speaker 2: but I'm stuck in like bumper to bumper traffic, I'll
• 6:55
  Speaker 2: like leave them a voice note.
• 6:56
  Speaker 3: I'll be like, so, la la la la, sorry about this.
• 6:59
  Speaker 1: If you do with me like two sentences.
• 7:01
  Speaker 3: Oh yeah, yeah, no, I'll I'll keep it concise.
• 7:04
  Speaker 1: Yeah yeah, anyway, how was your weekend? How what's going
• 7:06
  Speaker 1: on your world? Anything good?
• 7:07
  Speaker 3: Dude?
• 7:08
  Speaker 2: The Bruins, I know nobody cares, and I know that
• 7:11
  Speaker 2: Billy like didn't. I had to bring it up to
• 7:13
  Speaker 2: Billy like multiple times to be like, can we talk
• 7:14
  Speaker 2: about the Bruins today?
• 7:16
  Speaker 3: Ten to two?
• 7:17
  Speaker 1: Hello?
• 7:18
  Speaker 2: Like, and I know that, Like you guys were like,
• 7:20
  Speaker 2: oh my god, somebody got pushed down the freaking stairs,
• 7:23
  Speaker 2: which like, yeah, of course I care about that.
• 7:25
  Speaker 3: I care more about the ten to two things.
• 7:27
  Speaker 1: Yeah, the guy's gonna be okay. He's some injuries really okay.
• 7:30
  Speaker 2: And like I was like googling, like, when's the last
• 7:32
  Speaker 2: time like a NHL game went into like double ditch,
• 7:35
  Speaker 2: Like that doesn't happen.
• 7:36
  Speaker 1: Yeah, when's the last time they scored ten goals? It
• 7:39
  Speaker 1: has happened before the Bruins.
• 7:40
  Speaker 3: I found that out. It was an eighty eight.
• 7:43
  Speaker 1: Wow, that's crazy game.
• 7:45
  Speaker 3: Yeah, I worked it.
• 7:46
  Speaker 2: And then the last time Bruins the Bruins scored two
• 7:50
  Speaker 2: hat tricks in a game was in the sixties sixty four,
• 7:53
  Speaker 2: No shit, isn't that And I was there and then
• 7:57
  Speaker 2: we had like this stupid whatever, it doesn't matter party
• 8:00
  Speaker 2: that like we were supposed to be going to like
• 8:02
  Speaker 2: a holiday late holiday party, and so they were like, oh,
• 8:05
  Speaker 2: you guys can like leave early. They never let us
• 8:07
  Speaker 2: leave early. They were like, we won't do like our
• 8:08
  Speaker 2: postgame interview or postgame meeting.
• 8:11
  Speaker 3: I'm like, I don't want to leave this game early.
• 8:13
  Speaker 2: The one game that you're like, oh, you guys can leave,
• 8:15
  Speaker 2: I was waiting for the tenth goal, which they scored
• 8:18
  Speaker 2: on the goalie they never pulled.
• 8:19
  Speaker 3: The Rangers didn't pull the goaliecause obviously it's like, you're
• 8:21
  Speaker 3: not going to come back from six goals. So they
• 8:23
  Speaker 3: scored that tenth goal with a goalie.
• 8:25
  Speaker 1: Oh wow, that's crazy. So wait, so way do you
• 8:27
  Speaker 1: watch the game after you're done working?
• 8:29
  Speaker 2: So we can kind of go wherever we want. But
• 8:33
  Speaker 2: we do have like a locker room that has a TV, so.
• 8:36
  Speaker 1: I don't know, someone you can watch it on ice,
• 8:39
  Speaker 1: you can watch the game.
• 8:40
  Speaker 3: Yeah, It's like, it's so cool. It is really cool.
• 8:44
  Speaker 1: It is really cool that you're such a big hockey fan.
• 8:45
  Speaker 1: You work there, I know, and you love music and
• 8:48
  Speaker 1: you work here.
• 8:49
  Speaker 2: I know, Like I kind of did it work out
• 8:51
  Speaker 2: a little bit perfectly where I was like a year
• 8:54
  Speaker 2: after postgrad being like, my life's horrible.
• 8:58
  Speaker 3: There's nothing for me to do.
• 8:59
  Speaker 2: There's nobody hiring, and everything I want to do.
• 9:01
  Speaker 3: Is so hard.
• 9:02
  Speaker 1: I know, you're not making like the money that you
• 9:04
  Speaker 1: want to, but you I doing two things that are
• 9:06
  Speaker 1: pretty amazing.
• 9:07
  Speaker 2: I know.
• 9:08
  Speaker 3: That's like what makes it like a little bit better.
• 9:09
  Speaker 2: Like as much as I'm like, well, I'm living at
• 9:11
  Speaker 2: home and but I'm like, but I like what I do.
• 9:15
  Speaker 2: And I was having a conversation with some of my
• 9:17
  Speaker 2: friends the other day and they were like, well, you're
• 9:18
  Speaker 2: gonna need insurance because you're turning twenty six in like
• 9:21
  Speaker 2: two months. And I was and they were like, you should,
• 9:23
  Speaker 2: like maybe think about leaving. And I was like, well,
• 9:25
  Speaker 2: you guys don't understand, like a nobody's hiring radio and
• 9:28
  Speaker 2: B I work for like the coolest like I work like,
• 9:31
  Speaker 2: I love you guys.
• 9:32
  Speaker 3: I don't want to leave.
• 9:33
  Speaker 1: Yeah, it's a cool job. But that is a real
• 9:34
  Speaker 1: issue with the health insurance. I went through that too.
• 9:37
  Speaker 1: The difference was I lived in Massachusetts. Yeah, so it's
• 9:40
  Speaker 1: much different in masks because they have like the mass
• 9:42
  Speaker 1: connector Yeah, where they go buy your income and you
• 9:44
  Speaker 1: can pay whatever. It's not bad at all. Yeah, Hampshire
• 9:47
  Speaker 1: they're like fuck you die, no literally free or die.
• 9:50
  Speaker 3: They're like, we'd rather you just goodbye.
• 9:52
  Speaker 1: They have nothing.
• 9:53
  Speaker 2: They they do have the like the based off of
• 9:57
  Speaker 2: your income, but it's it's like two hundred fifty dollars
• 9:59
  Speaker 2: still a month.
• 10:00
  Speaker 3: So I'm like, okay, cool, So I'll just think I was.
• 10:03
  Speaker 1: Paying thirty bucks a month for health.
• 10:05
  Speaker 3: And shit, get out of my face.
• 10:07
  Speaker 1: It was pretty good thirty bucks a month, but not
• 10:09
  Speaker 1: fair because you're part time at both jobs. Yeah, but
• 10:14
  Speaker 1: I went through it. You know, you got to grind
• 10:16
  Speaker 1: it out.
• 10:16
  Speaker 2: This guy that I work with at the Bruins, he
• 10:18
  Speaker 2: works in finance, and a while ago, because I'm nosy
• 10:21
  Speaker 2: as hell and I don't care.
• 10:23
  Speaker 3: I know, some people are like you shouldn't ask what
• 10:25
  Speaker 3: people make.
• 10:26
  Speaker 2: And I would never ask, like certain people. But like
• 10:28
  Speaker 2: he's like two years older than me. I was like, so,
• 10:30
  Speaker 2: how much money do you make? And he was like,
• 10:32
  Speaker 2: I'm not telling you that. And I was like, oh,
• 10:33
  Speaker 2: I'll tell you how much money I make. It's not
• 10:34
  Speaker 2: very much.
• 10:35
  Speaker 1: Did you tell him?
• 10:36
  Speaker 3: And yeah, But this was like a while ago.
• 10:38
  Speaker 2: And then yesterday I was talking to him or the
• 10:41
  Speaker 2: Saturday whatever game that was, and I brought it up
• 10:43
  Speaker 2: or he brought it up again. He was like, so, like,
• 10:45
  Speaker 2: how much money do you? I'm like, I'm not telling you.
• 10:47
  Speaker 2: You tell me how much you make? He was like, well,
• 10:49
  Speaker 2: and then after I told him, he was like, okay,
• 10:51
  Speaker 2: I'll give you a math equation. I'm like, I can't
• 10:53
  Speaker 2: do math. He's like, I make five hundred times what
• 10:57
  Speaker 2: you make.
• 10:59
  Speaker 1: Oh shit, okay, holy shit? Is he a millionaire?
• 11:03
  Speaker 3: No?
• 11:03
  Speaker 1: Okay, about one hundred thousandaire.
• 11:08
  Speaker 2: Over? Yeah?
• 11:09
  Speaker 1: Yeah, yeah, he makes hundreds of thousands right?
• 11:12
  Speaker 3: No?
• 11:13
  Speaker 2: No, Well because then because then I was like, how much?
• 11:15
  Speaker 2: How do I do this math? And he was like
• 11:17
  Speaker 2: take the zeros away? And I was like the zeros
• 11:19
  Speaker 2: of which number?
• 11:20
  Speaker 1: Right? It's kind of confused.
• 11:21
  Speaker 3: You times what I make by five?
• 11:24
  Speaker 1: But if you make a thousand dollars times five hundred, he.
• 11:28
  Speaker 2: Said five hundred times, But I guess you times it
• 11:30
  Speaker 2: by five.
• 11:32
  Speaker 1: But he said five hundred times, not five times.
• 11:35
  Speaker 3: Oh, five hundred percent.
• 11:37
  Speaker 1: Okay, sorry, changes, everything changes. I told you I'm not
• 11:41
  Speaker 1: going to math, Okay.
• 11:42
  Speaker 3: Five hundred percent of what I make? Sorry? Everyone, I
• 11:46
  Speaker 3: got you.
• 11:46
  Speaker 2: I got imagine he's a millionaire and he's just like
• 11:48
  Speaker 2: working a part time job.
• 11:49
  Speaker 3: With the brother I know.
• 11:50
  Speaker 1: And okay, so he does. Okay, I feel like anyone
• 11:52
  Speaker 1: in finance makes money.
• 11:53
  Speaker 3: Yeah yeah, and I think he like but he's like
• 11:55
  Speaker 3: my like a couple of years older than me.
• 11:57
  Speaker 1: So I'm like, yeah, this guy in my gym, he
• 11:59
  Speaker 1: retired at forty yeah, and now he's he's forty two.
• 12:03
  Speaker 3: Yeah, fuck you.
• 12:04
  Speaker 1: But he worked in finance. Yeah, and he invested all
• 12:06
  Speaker 1: his money.
• 12:07
  Speaker 3: I literally was.
• 12:07
  Speaker 2: Like, hey, are you hiring. Yeah not, but again I'm kidding.
• 12:11
  Speaker 1: He told me last week. I saw on Wednesday. He
• 12:13
  Speaker 1: told me he came running across the gym and he's like,
• 12:15
  Speaker 1: because I don't go to that gym all the time,
• 12:17
  Speaker 1: he sees me. He's like bitcoin right now, bitcoin invest Yeah,
• 12:23
  Speaker 1: five thousand dollars. I'm like, that was.
• 12:25
  Speaker 2: That's one thing that I wish I was better at,
• 12:27
  Speaker 2: but I like don't want to put in the effort
• 12:28
  Speaker 2: to be better at is like investing and like stocks
• 12:31
  Speaker 2: and stuff. I don't know anything about that and I'm
• 12:33
  Speaker 2: way too lazy to do it.
• 12:35
  Speaker 3: But like I wish I knew.
• 12:37
  Speaker 1: There's a lot of money to be made. I mean,
• 12:39
  Speaker 1: you listen to this kid. He gave the good advice too.
• 12:42
  Speaker 1: And if you're in finance, you know this. He's like,
• 12:44
  Speaker 1: whatever money you're going to invest, pretend you're losing that money.
• 12:47
  Speaker 1: You just have to You have to have extra money
• 12:49
  Speaker 1: whatever you can put towards it. But if you put
• 12:51
  Speaker 1: a thousand dollars, that money's gone, like you're not getting
• 12:53
  Speaker 1: it back. You just let it sit and hopefully grow, right,
• 12:56
  Speaker 1: And I'm like, yeah, but when do I When do
• 12:58
  Speaker 1: I take it out?
• 12:58
  Speaker 2: Yeah? It's like it's like like you have to be
• 13:01
  Speaker 2: like okay with like losing some money to gain some money.
• 13:03
  Speaker 3: And I'm not okay with losing money.
• 13:05
  Speaker 1: Yeah me, neither I need it either. I've really messed
• 13:08
  Speaker 1: up a couple of years ago because my sauna that
• 13:10
  Speaker 1: I have in New England spas. This was in October
• 13:14
  Speaker 1: of last year. You know, I had the deal with
• 13:17
  Speaker 1: with the radio station. They gave me a nice like discount,
• 13:19
  Speaker 1: but it was still like eight grand for the sauna.
• 13:23
  Speaker 1: So I bought it and I thought to myself, I
• 13:26
  Speaker 1: could put on my credit card. I have some savings
• 13:28
  Speaker 1: I could put towards it, but it would like pretty
• 13:30
  Speaker 1: much wipe out my savings almost, I said, or I
• 13:33
  Speaker 1: have eight thousand dollars by chance and a crypto account
• 13:36
  Speaker 1: that I had been putting money into. So I was like,
• 13:39
  Speaker 1: I'm gonna pull the money, right, So I pulled a
• 13:41
  Speaker 1: tax on it. I had to put it in my
• 13:43
  Speaker 1: taxes at the end of the Yeah, but I pulled
• 13:46
  Speaker 1: the eight thousand dollars, I bought the sauna, and a
• 13:48
  Speaker 1: month later the election happened and it tripled. I would
• 13:52
  Speaker 1: have had twenty four thousand dollars.
• 13:54
  Speaker 3: Darn. You never know. I never know, dude, that's what happened.
• 13:58
  Speaker 2: Well, no, that's not what happened to me. But I
• 14:00
  Speaker 2: paid off my student loans, which I know is a
• 14:02
  Speaker 2: big thing.
• 14:02
  Speaker 1: That's huge.
• 14:03
  Speaker 2: Yeah, like last year. But I had all that money
• 14:07
  Speaker 2: in my savings account. And so my mom was like,
• 14:09
  Speaker 2: you just just paid off, like just paid off. And
• 14:11
  Speaker 2: I was like I literally like I was at my
• 14:15
  Speaker 2: mom's work. So I was like with her while I
• 14:17
  Speaker 2: was paying this off, and I was like, goodbye, mine.
• 14:20
  Speaker 1: It sucks seeing it. It was like, oh, it sucks
• 14:24
  Speaker 1: so bad. It's the work, but good for you. I
• 14:26
  Speaker 1: know I have student loan. My wife does too. It's
• 14:29
  Speaker 1: just we just have to live with them. It just sucks.
• 14:31
  Speaker 1: But I did learn something new when it comes to
• 14:34
  Speaker 1: now we're talking about finance. So I bought a new car. Yeah, okay,
• 14:38
  Speaker 1: now the car is so I've always driven a Jeep
• 14:40
  Speaker 1: Grand Cherokee because like they look cool, they've been dependable.
• 14:44
  Speaker 1: I traded in every couple of years. So once the
• 14:46
  Speaker 1: my always gets like around forty to fifty thousand, I
• 14:48
  Speaker 1: trade it in, you know. And what I do is
• 14:50
  Speaker 1: I always pay a little bit more every month on
• 14:52
  Speaker 1: the car to kind of keep up with the equity.
• 14:55
  Speaker 1: Does that make sense to you, because cars depreciate and value,
• 14:58
  Speaker 1: so if you just make the minimum pain I meant
• 15:00
  Speaker 1: you can end up upside down, meaning you owe more
• 15:03
  Speaker 1: than the car's worse upside he's listening to that's on
• 15:06
  Speaker 1: Diana Russ things. Anyway, So I wanted so I was
• 15:09
  Speaker 1: gonna get another Jeep Grand Cherokee, right, and then my
• 15:12
  Speaker 1: friend drives a BMW SUV And I was always like
• 15:15
  Speaker 1: luxury cars were like never something I could afford. It's
• 15:18
  Speaker 1: kind of a waste of money. Yeah, but you know,
• 15:20
  Speaker 1: he told me to go talk to this guy in Salem.
• 15:22
  Speaker 1: I went down I talked to him whatever, and he
• 15:24
  Speaker 1: found a car that I really liked, which was a
• 15:26
  Speaker 1: BMW X five, And so we did the math or
• 15:28
  Speaker 1: whatever based on what my car was because I had
• 15:31
  Speaker 1: paid more every month, I had you know, good equity
• 15:33
  Speaker 1: in it, and so we did the math together and
• 15:36
  Speaker 1: it was like only one hundred and fifty dollars more
• 15:38
  Speaker 1: a month. Right, Obviously, my insurance would go up. It
• 15:40
  Speaker 1: went up fifty dollars a month, and then my registration
• 15:43
  Speaker 1: would go up in New Hampshire to register it. So
• 15:45
  Speaker 1: I'm like, that's actually not that bad. I can afford that.
• 15:48
  Speaker 1: So I got the car, super happy about it. It is
• 15:50
  Speaker 1: super weird to drive a BMW. I'm like that guy now,
• 15:53
  Speaker 1: But let me tell you it's way till you get
• 15:55
  Speaker 1: in the car. It's fucking amazing. It's black, yeah, yeah,
• 15:58
  Speaker 1: and it's got so many cool features. It's sleek, but
• 16:01
  Speaker 1: it's got the at nighttime it illuminates. It has the
• 16:05
  Speaker 1: blue lights on the outside on the inside and on
• 16:09
  Speaker 1: the outside on the ground, so it's it's fancy. But
• 16:12
  Speaker 1: I'm excited when I and I should know this. But
• 16:16
  Speaker 1: when I was setting up my monthly payment with the company,
• 16:19
  Speaker 1: they said Okay, do you want to make one monthly
• 16:21
  Speaker 1: payment or do you want to pay like bi weekly
• 16:24
  Speaker 1: or you can pay every single week. And so I
• 16:26
  Speaker 1: started looking at the options. And if you're listening to
• 16:29
  Speaker 1: this and you know financi you know obviously this is
• 16:32
  Speaker 1: a good idea. So instead of paying monthly, I pay weekly,
• 16:35
  Speaker 1: so over the next year because you pay less interest.
• 16:39
  Speaker 1: So if I do that, if I pay so, say
• 16:41
  Speaker 1: my payment is six hundred dollars a month, and I
• 16:44
  Speaker 1: pay six hundred dollars if I pay weekly two hundred
• 16:48
  Speaker 1: dollars a week. No, one fifty a week, is that right,
• 16:52
  Speaker 1: it doesn't matter. Yeah, one fifty a week. You will
• 16:55
  Speaker 1: you will pay less interest, and you'll pay more of
• 16:57
  Speaker 1: the car off. So at the end of the year,
• 17:00
  Speaker 1: and say, instead of I'm just throwing numbers that say
• 17:02
  Speaker 1: you would pay nine thousand dollars off if you pay
• 17:04
  Speaker 1: it weekly, you pay like twelve thousand dollars eleven or
• 17:07
  Speaker 1: twelve thousand dollars. So it helps you bet more.
• 17:10
  Speaker 3: That's nice.
• 17:11
  Speaker 2: Yeah, No, wonder half the place is probably don't let
• 17:14
  Speaker 2: you do that.
• 17:14
  Speaker 1: They don't want you to do that.
• 17:15
  Speaker 3: They don't want you to do that.
• 17:16
  Speaker 1: Yeah, so what I do is. I pay a little
• 17:17
  Speaker 1: bit more than the minimum payment, but I split it
• 17:21
  Speaker 1: up into four weeks, so every Wednesday it comes out
• 17:23
  Speaker 1: of a bank account that I have.
• 17:25
  Speaker 2: Yeah.
• 17:26
  Speaker 1: Yeah, are you good with saving money?
• 17:27
  Speaker 3: Yeah?
• 17:28
  Speaker 1: Oh you out? You get with money like saying.
• 17:30
  Speaker 3: It like decently. Yeah.
• 17:32
  Speaker 2: My biggest issue is that I don't really have a
• 17:34
  Speaker 2: lot to pay, So in my head, I'm like, I
• 17:36
  Speaker 2: literally just pay my car and then like other random shit.
• 17:39
  Speaker 2: So I'm like, oh, I can spend money on whatever,
• 17:41
  Speaker 2: which I shouldn't do, but like I have a good savings.
• 17:45
  Speaker 1: Oh good, I learned because I learned the hard way. Obviously,
• 17:48
  Speaker 1: I spent a lot of money on credit cards and stuff.
• 17:50
  Speaker 1: My friend Zeb had to co sign for me. Oh
• 17:52
  Speaker 1: imagine that's a good friend, right, Yeah, he brought me.
• 17:54
  Speaker 1: I was so I never do that. I was so
• 17:56
  Speaker 1: in debt. He brought me to a credit union he
• 17:58
  Speaker 1: co signed on a loan to pay off my credit cards.
• 17:59
  Speaker 1: He took my credit cards and held them. He still
• 18:02
  Speaker 1: priceal has them that they're not good anymore. But yeah,
• 18:04
  Speaker 1: yeah he's a really good Zeb's the best.
• 18:05
  Speaker 3: He is a good friend.
• 18:06
  Speaker 1: Yeah. And then he taught me how to save money
• 18:09
  Speaker 1: and for me. What that was was opening different bank
• 18:12
  Speaker 1: accounts and having money come out of my check into
• 18:14
  Speaker 1: those accounts and not having debit cards for those banks.
• 18:19
  Speaker 3: See that is smart.
• 18:20
  Speaker 1: Yeah, so that's what I do, and I still do that.
• 18:22
  Speaker 1: I have three or four banks. That one is like
• 18:24
  Speaker 1: my spending money goes into like my main one, and
• 18:27
  Speaker 1: then I have my bills one. Then I have another
• 18:30
  Speaker 1: savings one, and then I think I have one more.
• 18:32
  Speaker 1: I have several banks, all with different amounts of money
• 18:34
  Speaker 1: in them, so when I get my check, it's they
• 18:36
  Speaker 1: it disperses out, and then I have what's left over
• 18:39
  Speaker 1: in my personal one. So all my savings go away,
• 18:42
  Speaker 1: all my bills go away.
• 18:44
  Speaker 2: So that's actually smart. My mom's been talking right now
• 18:46
  Speaker 2: there she's opening a roth Ira for me.
• 18:48
  Speaker 1: Oh that's a good idea, and.
• 18:49
  Speaker 2: She's like, you need to be putting money into it.
• 18:51
  Speaker 2: Should because I'm at like the lowest tax bracket right now. Yeah,
• 18:54
  Speaker 2: you'll get the most right, which is so nice.
• 18:57
  Speaker 1: But I'm like, something, do something.
• 19:00
  Speaker 2: I know. I what also, what I want to do
• 19:02
  Speaker 2: is open a high yield savings account, which I've been
• 19:05
  Speaker 2: saying I'm going to do since the summer, and I
• 19:07
  Speaker 2: have not done it yet. My biggest issue, again I've
• 19:10
  Speaker 2: already said it, is that I'm lazy and I don't
• 19:12
  Speaker 2: want to do any research. So if anybody has any
• 19:15
  Speaker 2: good savings.
• 19:17
  Speaker 1: Cant belive it's a talk back for Riley. I'll bring
• 19:19
  Speaker 1: her back. I'll bring her back on. My brother did that.
• 19:21
  Speaker 1: My brother and his wife did that. I don't know.
• 19:22
  Speaker 1: They have like a good amount of money and they're
• 19:25
  Speaker 1: saving for a house. But he did that, and i't
• 19:27
  Speaker 1: much money he has, and there he put into the
• 19:28
  Speaker 1: savings account. The high yield. Yeah, but he told me
• 19:31
  Speaker 1: this weekend that it generates five hundred bucks a month.
• 19:34
  Speaker 2: I know that Discover has one, and I have a
• 19:36
  Speaker 2: Discover's card, so I should probably just do that. And
• 19:38
  Speaker 2: I think it's like three point four or something percent,
• 19:42
  Speaker 2: which is like good.
• 19:44
  Speaker 1: Yeah, googa credit score, Yeah, me too, very proud of it. Yeah,
• 19:49
  Speaker 1: give me a fifth ball. I'm very proud of it,
• 19:51
  Speaker 1: very proud of my my credit score. So listen. It
• 19:54
  Speaker 1: takes a little bit of work, but you can you
• 19:55
  Speaker 1: can figure out. If you're not good with money and
• 19:57
  Speaker 1: finance and stuff, you got to put the effort in.
• 19:59
  Speaker 1: What helps helped me a lot was zeb but Also,
• 20:01
  Speaker 1: I read this book by Dave Ramsey, you know that
• 20:03
  Speaker 1: is he's this money guy, money expert, and he talks
• 20:06
  Speaker 1: about the first thing you need to do is save
• 20:09
  Speaker 1: a thousand dollars that you don't need, like, yeah, you
• 20:12
  Speaker 1: don't need it, you need to save in that account
• 20:14
  Speaker 1: and then you grow it from there.
• 20:15
  Speaker 2: Yeah. My mom was always talking about if anything ever
• 20:17
  Speaker 2: happened like, and I'm like, I know you've been saying
• 20:20
  Speaker 2: this my entire life.
• 20:21
  Speaker 1: Yeah.
• 20:21
  Speaker 2: Yeah, but that's why when we were talking about topic
• 20:23
  Speaker 2: time earlier and saying like, it does money matter? Yes,
• 20:25
  Speaker 2: it does, Yeah, it does, and anybody who says it
• 20:27
  Speaker 2: doesn't is lying or extremely rich. Like that one girl
• 20:30
  Speaker 2: that talked about her said, because that's true.
• 20:32
  Speaker 1: Yeah, well, especially because eventually you're going to combine finances.
• 20:35
  Speaker 1: What's that going to look like?
• 20:37
  Speaker 2: I don't think I could ever be with somebody who
• 20:39
  Speaker 2: spent money poorly, like just like all willy nilly. My
• 20:43
  Speaker 2: sister used to date this guy and they broke up.
• 20:46
  Speaker 2: But I think I don't know for true, but for
• 20:49
  Speaker 2: sure hello that it's because of how she spent money.
• 20:53
  Speaker 2: And he was like, he was like very frugal and
• 20:57
  Speaker 2: she was not. And I think that that's why they
• 20:59
  Speaker 2: broke up.
• 21:00
  Speaker 1: My wife and I have always kept our finances separate.
• 21:03
  Speaker 1: I know, when you get married you can bind them.
• 21:05
  Speaker 1: We have one account for like bills, But I don't
• 21:09
  Speaker 1: know what she spends a target. I don't want to know.
• 21:11
  Speaker 1: She makes her own money and that's just what works
• 21:13
  Speaker 1: for us.
• 21:13
  Speaker 3: Right, You're just good.
• 21:15
  Speaker 1: Yeah, I have no idea. She's not as good at
• 21:17
  Speaker 1: saving as I am. I'm just more along the lines
• 21:20
  Speaker 1: of I don't want to I don't like seeing money disappear.
• 21:24
  Speaker 3: Yeah, I feel like you.
• 21:25
  Speaker 2: You're more willing to buy a big ticket item that
• 21:29
  Speaker 2: you'll use.
• 21:30
  Speaker 1: Yeah, but I don't. I don't. I don't. I try
• 21:32
  Speaker 1: it to waste, wasteful spend, yeah, you know, and things
• 21:35
  Speaker 1: that I don't need.
• 21:36
  Speaker 3: I've been trying to be much better about that.
• 21:38
  Speaker 1: Yeah, Like I have a ton of clothes that I've gotten.
• 21:40
  Speaker 1: Do I really need new clothes? Do I really do
• 21:43
  Speaker 1: I need new sneakers?
• 21:44
  Speaker 2: No?
• 21:44
  Speaker 3: The issue is that it makes you feel so good.
• 21:46
  Speaker 2: The head rush you get from buying stuff is it's
• 21:49
  Speaker 2: like it's like crack, and I've never done cracks.
• 21:52
  Speaker 3: You would know more than me.
• 21:54
  Speaker 2: To me, it's crack to me ye, Like I'll get
• 21:57
  Speaker 2: like an itch and be like I need to spend money.
• 22:00
  Speaker 1: Yeah, it just feels good. It feels it feels really good. Yeah,
• 22:04
  Speaker 1: especially on a random day where you're like, oh.
• 22:07
  Speaker 3: I need to pick me up. Yeah, spend some money.
• 22:09
  Speaker 1: Yeah, which people that have are addicted to spending money
• 22:13
  Speaker 1: and shopping. That's the feeling they're chasing.
• 22:15
  Speaker 3: And then you wear the new clothes and you're like, oh.
• 22:17
  Speaker 1: Yeah, but you know what the thing is, it's like
• 22:20
  Speaker 1: even what sucks about that is say it's new clothes
• 22:24
  Speaker 1: or it's a new car or whatever. You get that feeling. Yeah,
• 22:29
  Speaker 1: the second time you wear them, it's not as good,
• 22:30
  Speaker 1: and the third time not as good as good. That's
• 22:34
  Speaker 1: that's true. Like my car was so cool. It was
• 22:37
  Speaker 1: so great. It's still so great, but every time I
• 22:39
  Speaker 1: drive it, eventually it's becoming wearing off. Yeah, that's how
• 22:45
  Speaker 1: it is, you know. But the car is cool. Like,
• 22:47
  Speaker 1: imagine this, I don't need a keyfob. The car is
• 22:50
  Speaker 1: connected to my phone and to my Apple Watch.
• 22:53
  Speaker 3: What if you lose those things?
• 22:55
  Speaker 1: Well, if I that I'm in trouble, but I can
• 22:57
  Speaker 1: control the car from my phone and my Apple Watch
• 23:00
  Speaker 1: around when I walk near the car, it unlocks. I again,
• 23:03
  Speaker 1: I can start it. You can share the card with
• 23:06
  Speaker 1: my wife. I didn't my wife so she can use
• 23:08
  Speaker 1: the car on her phone.
• 23:11
  Speaker 3: So do you just have the keyfob at home? Yeah,
• 23:13
  Speaker 3: like it just sits at home, just sits at home.
• 23:14
  Speaker 2: That's how I felt when I got my new car
• 23:16
  Speaker 2: because my old car I had a Volvo and it
• 23:19
  Speaker 2: was my first car. I got it at sixteen, and
• 23:21
  Speaker 2: I had it up until two years ago when I
• 23:24
  Speaker 2: was like twenty four.
• 23:26
  Speaker 3: I got rid of it and.
• 23:28
  Speaker 2: I didn't have like anything, and now I have like
• 23:30
  Speaker 2: Apple car flay my like and that is.
• 23:34
  Speaker 1: It wireless car play play.
• 23:35
  Speaker 3: Yes, yeah, it's wireless.
• 23:37
  Speaker 1: Wireless is where?
• 23:37
  Speaker 2: And my old car was the Volvo was really nice
• 23:39
  Speaker 2: and it was like the perfect like first car, but.
• 23:41
  Speaker 3: Like this car, I'm like yeah, and it's literally hot though.
• 23:45
  Speaker 1: Yeah. And every time you get a new car and
• 23:47
  Speaker 1: the technology gets better and better.
• 23:49
  Speaker 3: No, that's the crazy part.
• 23:50
  Speaker 1: Yeah. Well what happened was my friend he has one,
• 23:53
  Speaker 1: and he's like he kind of convinced me because he's like, dude,
• 23:56
  Speaker 1: don't get another jeep, get a beam. I'm like, I
• 23:59
  Speaker 1: can't afford a fucking and he goes, dude, you work
• 24:02
  Speaker 1: on the radio like you should be driving a beamer.
• 24:05
  Speaker 1: And then I'm like whatever, he was listening. Yeah, He's like,
• 24:08
  Speaker 1: go talk to my friend. So I was like, I'll
• 24:10
  Speaker 1: go talk to I went there with zero expectations, but
• 24:13
  Speaker 1: listen to me. It's like if the math is mathing
• 24:15
  Speaker 1: type of thing. And he was talking to me, and
• 24:17
  Speaker 1: he broke it all down. The math was math in.
• 24:20
  Speaker 3: Math was mathing. You're like, I can make this work.
• 24:22
  Speaker 1: I can make this work. It's not going to like
• 24:24
  Speaker 1: financially cripple me. So why not?
• 24:26
  Speaker 3: So why not? Well?
• 24:29
  Speaker 1: All right, well I go to the dentist.
• 24:30
  Speaker 3: Oh yeah, sorry, it's okay.
• 24:32
  Speaker 1: Now I got to go with us. We just rambled.
• 24:35
  Speaker 1: That's what the show is. It's been always been like that,
• 24:37
  Speaker 1: going back to like Bex and then Winnie and you know,
• 24:40
  Speaker 1: when you know whatever. I know you're not like the
• 24:42
  Speaker 1: official co.
• 24:42
  Speaker 3: Host, but yeah, but I love talking.
• 24:45
  Speaker 1: You can come in at anytime. You can come in
• 24:46
  Speaker 1: at any time. I like to get random people and sometimes
• 24:48
  Speaker 1: I just talk. Yeah, And then I finished, and I go,
• 24:51
  Speaker 1: what did I just say?
• 24:52
  Speaker 2: I've always said that me and my friend Kelly, who
• 24:54
  Speaker 2: can yap about literally anything, but she works with the Bruins.
• 24:56
  Speaker 2: I'm like, let's start like a hockey podcast.
• 24:58
  Speaker 3: But we just like talk about like druma, Like we
• 25:00
  Speaker 3: don't even really talk about the game.
• 25:02
  Speaker 2: Yeah you could, And I'm like, I work in the
• 25:04
  Speaker 2: perfect place to be, Like, let's start a podcast.
• 25:06
  Speaker 1: That's what this podcast. This podcast was originally started as
• 25:09
  Speaker 1: an after show companion piece, which it is, but it
• 25:12
  Speaker 1: was supposed to be like breaking down the topics of
• 25:15
  Speaker 1: the show of that day. I'll fucking do that that
• 25:21
  Speaker 1: now we have talk back.
• 25:22
  Speaker 4: Justin regular listener, after show army member, occasional talkbacker. I
• 25:27
  Speaker 4: was just thinking about you as I was driving, and
• 25:29
  Speaker 4: I want to thank you for everything that you offer
• 25:34
  Speaker 4: as far as helping people understand addiction.
• 25:36
  Speaker 1: My Hob's father is an addict.
• 25:37
  Speaker 4: He's stepping in recovery and sober for three years. But
• 25:41
  Speaker 4: hearing you talk about like how your brain works and
• 25:45
  Speaker 4: how you go through things, that's really helped me understand him,
• 25:47
  Speaker 4: and I think gives made a big difference in our relationship.
• 25:50
  Speaker 3: So thanks Justin.
• 25:51
  Speaker 1: You're very welcome. Thank you. I love messages like that. Yeah, nice,
• 25:55
  Speaker 1: I know it's so funny. I'm the recovery guy.
• 25:57
  Speaker 3: You're literally a role model to so many.
• 25:59
  Speaker 1: People, which is never intended, which is.
• 26:02
  Speaker 2: The craziest part. I feel like that's actually what makes
• 26:05
  Speaker 2: the better role models. Yeah, because you're like I was
• 26:07
  Speaker 2: never trying to like put on this front and be
• 26:09
  Speaker 2: like no, listen, like look up to me.
• 26:11
  Speaker 3: You're just like, this is just my life.
• 26:13
  Speaker 1: Yeah. It just came out on the air and then
• 26:15
  Speaker 1: I kind of just went from there, and then you know,
• 26:17
  Speaker 1: I started to be like, well, I can get my
• 26:19
  Speaker 1: message out, get the message out that recovery does work.
• 26:22
  Speaker 1: So that's the kind of the road I went down
• 26:24
  Speaker 1: once it was all out, and that's really trans transformed
• 26:27
  Speaker 1: to something amazing like power of recovery. Who, by the way,
• 26:29
  Speaker 1: Maddie and Damon coming on tomorrow. Fun, So ask questions
• 26:33
  Speaker 1: on the talkbacks you have anything addiction related, recovery related,
• 26:36
  Speaker 1: literally anything, you can leave a talkback. Oh, you can
• 26:39
  Speaker 1: DM me, but we'd prefer to hear your voice. So
• 26:41
  Speaker 1: they'll be on tomorrow.
• 26:41
  Speaker 2: And there's no dumb questions because I ask you dumb
• 26:43
  Speaker 2: questions about recovery all the time.
• 26:45
  Speaker 1: Yeah, there's no dumb questions.
• 26:46
  Speaker 3: Literally, amazing.
• 26:47
  Speaker 2: What's the difference between recovery and rehab. Yeah.
• 26:51
  Speaker 1: Well hopefully you find recovery in rehab.
• 26:53
  Speaker 2: Yeah, which makes us essentially.
• 26:55
  Speaker 1: What it is. Hopefully so anyway, Yeah, power of recovery,
• 26:57
  Speaker 1: Maddy and Damon Tomorrow, Riley, thank you.
• 27:00
  Speaker 3: Corn.
• 27:00
  Speaker 1: Now you're gonna go back to work.
• 27:01
  Speaker 3: Yeah, I don't really want to do that.
• 27:02
  Speaker 1: I'm sorry. If you want, I can let you come
• 27:05
  Speaker 1: and ride my car.
• 27:05
  Speaker 3: This is so much more fun. Yeah, I'll go to
• 27:07
  Speaker 3: the dentist with you instead.
• 27:10
  Speaker 1: All right, bye bye,