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Inflation and Money Dysmorphia · I Hate Talking

• 0:29
  I Hate Talking: Welcome to episode 15 of I Hate Talking.
• 0:33
  I Hate Talking: Hi everyone.
• 0:35
  I Hate Talking: And today we're gonna be talking about a word or phrase of the episode that in some way does relate to our topic of the episode, and that is going to be the word dysmorphia.
• 0:49
  I Hate Talking: Oh, I like that.
• 0:51
  I Hate Talking: So what comes to your mind when you hear the word dysmorphia?
• 0:55
  I Hate Talking: Well, this would be like not or anti, right, and morphia.
• 1:00
  I Hate Talking: I don't know.
• 1:01
  I Hate Talking: I feel like it would definitely be something um mental or not appropriate, not socially acceptable thought process is what I would think of.
• 1:15
  I Hate Talking: Indeed, so you're on the right track.
• 1:17
  I Hate Talking: Uh, it does come from the Greek, which comes from the word dus or diss, which means the opposite or to have the negative connotation of a particular word, and the root Greek word is morphe, which means form, so having a certain shape.
• 1:38
  I Hate Talking: So when this is used in the Greek as one single word, dysmorphia.
• 1:43
  I Hate Talking: It can mean misshapenness or ugliness.
• 1:47
  I Hate Talking: So the word dysmorphia is typically used with the word body, as in the phrase body dysmorphia.
• 1:57
  I Hate Talking: So have you heard of that phrase before?
• 1:59
  I Hate Talking: Right, yes, that would be when you look in the mirror and think that you look different than you do.
• 2:07
  I Hate Talking: Or, um, I think that's probably the most common I'm familiar with, right?
• 2:12
  I Hate Talking: Somebody who maybe struggles with disordered eating.
• 2:15
  I Hate Talking: Might think that they're larger than they are.
• 2:18
  I Hate Talking: Which would be dysmorphia.
• 2:20
  I Hate Talking: Exactly.
• 2:21
  I Hate Talking: So the phrase used in psychology and the mental health arena does mean that there is a perceived physical flaw that is either not true or is not readily apparent to others.
• 2:36
  I Hate Talking: But when you get down to the actual use of the word dysmorphia, it actually does mean that something is wrong.
• 2:44
  I Hate Talking: So it is interesting to note that there is perhaps an overuse of the word when you're talking about body dysmorphia, that it is only a perceived or unapparent flaw, but that the actual word dysmorphia means that there is something misshapen.
• 3:03
  I Hate Talking: Huh, well, that's not good.
• 3:06
  I Hate Talking: So there's a similar term that has been coined recently that is called money dysmorphia.
• 3:14
  I Hate Talking: Well, no, I don't.
• 3:17
  I Hate Talking: I don't usually know what we're talking about, but I feel like I'm catching on to what we're gonna talk about today.
• 3:24
  I Hate Talking: Is this, if you have money to smorphia, would that mean that you think you have more or less money than you really have in your bank?
• 3:33
  I Hate Talking: So, the term that has been come to be coined.
• 3:38
  I Hate Talking: is when people have a skewed perception of their finances.
• 3:43
  I Hate Talking: So again, this is more in the vein of having a perception about reality, not necessarily reality itself, though I will say that in some ways perception is based on reality, but money dysmorphia, as it is defined is when someone feels stressed or insecure about their finances regardless of any real issues.
• 4:07
  I Hate Talking: I feel that And that is what probably many people and many of our listeners are feeling in this economic environment with the inflation that we are dealing with and the cost of goods rising and the lack of purchasing power that the dollar has, and that is for all intents and purposes, the definition of inflation, goods are rising and you have less purchasing power for those goods.
• 4:37
  I Hate Talking: So because you feel that and I feel that, and I think many of our listeners feel that, I would say that this money dysmorphia is not exclusively a perceived issue, but is in some shape or form related to a real issue.
• 4:55
  I Hate Talking: So you're proposing.
• 4:57
  I Hate Talking: At how the actual term, body dysmorphia is actually in its true form, saying that there is something wrong with that body.
• 5:08
  I Hate Talking: You're saying that money dysmorphia, we also truly actually have money problems as well.
• 5:16
  I Hate Talking: I think so.
• 5:17
  I Hate Talking: I think that perhaps when someone has body dysmorphia or money dysmorphia.
• 5:22
  I Hate Talking: That they are again overstating that flaw in their own mind versus perhaps what is true or what others perceive, but nonetheless, there still is some root issue in play.
• 5:35
  I Hate Talking: Having a hard time combining those two because I feel like somebody who may look in the mirror.
• 5:43
  I Hate Talking: Has generations of expectations put on them and social expectations.
• 5:50
  I Hate Talking: I'm trying to reconcile, I guess, what you're saying, cause I definitely um sympathize for with people with body dysmorphia and um possibly people who have money dysmorphia, I guess would have the same issues possibly, right?
• 6:06
  I Hate Talking: Like they grew up in a poor economic situation, so they Feel like there's never enough because maybe when they were a child, there's never enough.
• 6:18
  I Hate Talking: So that is something critical that I think that you're hitting on is that when you are considering how you feel about your body or your financial status, that once again, this perception as you're looking in the mirror is that you're not only comparing your expectations of what you see.
• 6:39
  I Hate Talking: With what you expect, but also with what others expect.
• 6:44
  I Hate Talking: Right.
• 6:45
  I Hate Talking: I think that's a big part of your looks and also with money, right, is uh how you're supposed to dress or what you're supposed to eat.
• 6:54
  I Hate Talking: And if I want to feed my kids and family healthy, I have to buy organic and I have to buy all these things that are not cheap.
• 7:03
  I Hate Talking: And sometimes I have to look at my budget and be like, well, what's more important here?
• 7:08
  I Hate Talking: Exactly.
• 7:09
  I Hate Talking: So when we consider some of the statistics around money dysmorphia, there was a Credit Karma survey that surveyed a number of young people with regards to their finances and based on the definition that we've given, there were 43% of Gen Z respondents and 41% of millennials that said they have money dysmorphia.
• 7:32
  I Hate Talking: And these people that have this money dysmorphia say they feel quote unquote behind, even though they may be financially stable or even have a decent amount of savings.
• 7:44
  I Hate Talking: Hm.
• 7:44
  I Hate Talking: Is that similar to when we were newlyweds?
• 7:48
  I Hate Talking: I remember having to remind myself often, um, especially around the holidays.
• 7:53
  I Hate Talking: I love decorating.
• 7:55
  I Hate Talking: I love decorating for all holidays, especially for Christmas, and uh people were very generous in giving us their hand me down decorations that I appreciated.
• 8:05
  I Hate Talking: And later gave up to other, you know, passed down to other people.
• 8:09
  I Hate Talking: But there was a phrase I heard while during that time, where I said, don't judge your beginning by somebody else's middle.
• 8:20
  I Hate Talking: And when I grew up, obviously my parents had decades of Christmas ornaments.
• 8:27
  I Hate Talking: And so when we started out, we just had a couple and then a bunch of Dollar Tree items.
• 8:34
  I Hate Talking: So just remembering that I'm looking at these people on, nowadays, you look at people on Instagram or anything like that.
• 8:42
  I Hate Talking: And it's hard not to put yourself, assume that you're behind compared to them.
• 8:48
  I Hate Talking: Exactly.
• 8:50
  I Hate Talking: And I think that's always been the case to some degree, right?
• 8:52
  I Hate Talking: There are those that are looking for the American dream with the green grass and the white picket fence and a home and a vehicle, and they are keeping up with the Joneses, as it were, uh, to use that turn of phrase, and that goes back, uh, many decades into the 1900s.
• 9:13
  I Hate Talking: But to your point, I think that it has been exacerbated by Social media where these two particular generations that we have been talking about have been constantly exposed to social media and seeing not only what their peers are doing, but also these social influencers and those with great wealth or Perhaps a parent great wealth where they are just receiving these things for free and don't actually have extended access to these experiences and flaunting of wealth that they are showing.
• 9:47
  I Hate Talking: Mhm.
• 9:48
  I Hate Talking: Yeah, I think a lot of it sometimes influencers get things for free, uh, because people want them to use their products for advertisement.
• 9:56
  I Hate Talking: Also, I saw a documentary where people Uh, would rent things, cause that they found value in the fact if you just rented something for the video and then returned it.
• 10:09
  I Hate Talking: Or whatnot, uh, it made you look higher class and also made uh people follow you more.
• 10:17
  I Hate Talking: Exactly.
• 10:19
  I Hate Talking: So I think that that has always existed in some form or fashion, not only with body comparison, but also financial and wealth comparison, but that in this day and age with technology and the constant social media pressure that that is much more of a problem and something that we have to be aware of when we are considering how we are doing financially as well as physically.
• 10:43
  I Hate Talking: OK, can I share a story that happened maybe 4 hours ago?
• 10:47
  I Hate Talking: I was with my kids at their martial arts thing, and one of the moms complimented my shirt.
• 10:54
  I Hate Talking: And asked where she can get it.
• 10:58
  I Hate Talking: So I kind of laughed it off like, oh, this whole thing, and then I told her, I just got it at the Goodwill.
• 11:05
  I Hate Talking: And she was shocked and uh it was it was like this funny joke, but it was in a greater way it's interesting because I literally did fight at the Goodwill and um Just put it on and um so I was trying to tell her like, yeah, it makes me feel put together.
• 11:26
  I Hate Talking: It's a nice shirt and uh makes me look like I tried.
• 11:30
  I Hate Talking: Where she saw me and assumed that I was really dressing up and trying.
• 11:36
  I Hate Talking: And um in reality, it was just a piece that I found and put on.
• 11:41
  I Hate Talking: So our perceptions, our reality of what my day was, she didn't know that I literally spent the entire day scrubbing our floors and our baseboards.
• 11:52
  I Hate Talking: She saw that I had this fancy shirt on and thought that I don't know, I had a luxury day, which I didn't.
• 11:59
  I Hate Talking: Indeed, so, and I think that is something to be aware of.
• 12:03
  I Hate Talking: So, at the sake of potentially mis comparing ourselves to how others are doing financially, there are some interesting statistics that I'll share that are related to how we may feel we are doing financially and whether we have this money dysmorphia or not.
• 12:25
  I Hate Talking: So based on some statistics in some reports that I've read, there are a number of things that we can consider when we are looking at how we are doing.
• 12:36
  I Hate Talking: And again, this is all in danger of being accurate or not because you can only do so much when you're comparing yourselves to others, uh, because you must be relevant in terms of how you're actually doing, but.
• 12:51
  I Hate Talking: There are only 15% of American households that make over $100,000.
• 12:57
  I Hate Talking: Today in America.
• 12:59
  I Hate Talking: According to this report, that is correct.
• 13:02
  I Hate Talking: So that means the other 85% are making less than that and are dealing with these inflationary pressures that I think we are all feeling, but again, with regards to the middle class being pushed out uh as well as uh just the.
• 13:20
  I Hate Talking: Minimum wage that people have to deal with that there are a very large percentage of people that are making less than that threshold.
• 13:29
  I Hate Talking: So, This might be more deep than your studies, but Is that accounting for, like, obviously, I feel like New York, LA, all those places are gonna be much more higher cost of living.
• 13:43
  I Hate Talking: Yep, this is a general statistic for all of America and it's at the household level, so not at the wage income earner level either.
• 13:54
  I Hate Talking: So this could be a dual income household.
• 13:57
  I Hate Talking: So 22 parents working, making 50 each, and having 7 kids.
• 14:04
  I Hate Talking: Could be the same as one person.
• 14:08
  I Hate Talking: Working alone in an apartment, making 100.
• 14:12
  I Hate Talking: That is correct.
• 14:13
  I Hate Talking: So obviously some generalities that we're dealing with here, but the key point being where that breakdown occurs at that 100K mark and that only being 15% of American households, which again could consist of dual earners within that household.
• 14:30
  I Hate Talking: So what do you propose we do then?
• 14:33
  I Hate Talking: Because when we were newlyweds, we both worked.
• 14:36
  I Hate Talking: You actually traveled quite a bit for a living.
• 14:40
  I Hate Talking: So, I obviously stayed um packed my lunch and took it and ate at home.
• 14:47
  I Hate Talking: Uh, but we didn't have two people to feed.
• 14:51
  I Hate Talking: All week because you were gone.
• 14:54
  I Hate Talking: So our grocery budget at the time we were very uh precise on our budgets.
• 15:00
  I Hate Talking: Our budget was extremely low, because I was only basically feeding 1.5 people a week.
• 15:07
  I Hate Talking: Um, we have way more people in our house.
• 15:11
  I Hate Talking: You don't travel like you used to, and I don't work anymore.
• 15:16
  I Hate Talking: So our budget.
• 15:17
  I Hate Talking: For groceries is exponentially larger than it was 15 years ago.
• 15:24
  I Hate Talking: So I know those variables change.
• 15:26
  I Hate Talking: We have more people now, less income.
• 15:29
  I Hate Talking: Less, at least I work, do not work.
• 15:32
  I Hate Talking: Obviously, Improved in your career, but um you don't have my income anymore.
• 15:38
  I Hate Talking: What do people do and what do you propose people do?
• 15:42
  I Hate Talking: Because as families grow, our kids.
• 15:45
  I Hate Talking: I didn't cook enough dinner tonight.
• 15:47
  I Hate Talking: Now, we, we had other food.
• 15:49
  I Hate Talking: They ate, don't panic everyone.
• 15:51
  I Hate Talking: But I cooked burgers and I did not defrost enough hamburger for everyone, cause one of our kids ate 4 hamburgers.
• 16:01
  I Hate Talking: Um, so as the families are growing, budgets are growing or like groceries are costing more money.
• 16:08
  I Hate Talking: How do you Propose we deal with this problem.
• 16:15
  I Hate Talking: Well, we'll get there, and that is something that we'll touch on in regards to inflation and how that is measured.
• 16:22
  I Hate Talking: But before we do, let's look at some other statistics that I think may give some additional insights as we talk about some of those things that we can do and some of those things that we're dealing with.
• 16:32
  I Hate Talking: So another statistic again for the American household, the average credit card balance is $6,295.
• 16:40
  I Hate Talking: Wow, It's a lot.
• 16:44
  I Hate Talking: And based on that, 78% of Americans are living paycheck to paycheck.
• 16:50
  I Hate Talking: That's stressful.
• 16:53
  I Hate Talking: Cause if anything happens, what if your tire, I mean, um, my tire needs to be changed.
• 16:59
  I Hate Talking: I keep putting it off.
• 17:00
  I Hate Talking: It's not urgent, but it's slowly, has a slow leak.
• 17:03
  I Hate Talking: Anything like that is gonna put you upside down.
• 17:07
  I Hate Talking: Indeed, especially if you're already in debt in the credit card and maintaining your purchasing power for things that you need on a week to week basis with no cushion.
• 17:17
  I Hate Talking: And with all those things considered, the average age of the first-time home buyer is 35.
• 17:24
  I Hate Talking: Hm, what was it 20 years ago?
• 17:28
  I Hate Talking: So 20 years ago, from 2024, that would be 2004, it was 32 years old, so not that much off, but 3 years can be a significant amount of time that you're waiting and paying rent or living with relatives, uh, while you're waiting to accumulate that wealth, uh, and According to the statistics that I'm looking at back in the 80s and 90s, it was at the 29 or even 28 year old that was able to purchase their first time house and over the last two years, we've reached a peak at 36 and 35.
• 18:12
  I Hate Talking: OK.
• 18:14
  I Hate Talking: And I mean, this is.
• 18:17
  I Hate Talking: A common theme, right?
• 18:19
  I Hate Talking: I remember my parents when I was a child.
• 18:22
  I Hate Talking: Commenting that their minivan, their minivan cost as much as my grandmother's house cost.
• 18:30
  I Hate Talking: Now she had bought it, what, like 40+ years earlier.
• 18:34
  I Hate Talking: But, um, that was frustrating to them that they were like, my minivan costs more.
• 18:40
  I Hate Talking: And um, Now I feel that as we're buying stuff, like, I was looking at Like, housing prices locally and like, man, like, we should sell our house and because Uh, that looks nice in our bank account.
• 19:02
  I Hate Talking: Indeed, but again, that relates back to inflation and the decreased purchasing power of the dollar because those houses or that minivan were not being measured in equitable dollars that was inflated dollars that you're comparing those purchasing prices in, right, because again, another scenario is.
• 19:25
  I Hate Talking: The same place, uh, I grew up in ice cream.
• 19:29
  I Hate Talking: My parents got ice cream when they were newlyweds.
• 19:32
  I Hate Talking: And I think back when we were kids, it was like $1 an ice cream cone.
• 19:36
  I Hate Talking: And my dad's like, I remember when it was 10 cents.
• 19:40
  I Hate Talking: So Um, my parents would reminisce about how they would spend 10 cents in ice cream cone, or I think it cost us about $1 in ice cream at that time.
• 19:52
  I Hate Talking: But our salaries, I'm trying to reconcile this because Their salary also 30 years earlier, was way less than it was then.
• 20:03
  I Hate Talking: I think the problem I have currently is our salaries are not significantly more.
• 20:12
  I Hate Talking: Uh, groceries are significantly more than they were a couple of years ago.
• 20:17
  I Hate Talking: Indeed, and there's a graph of the purchasing power of the dollar that will take into account real wages versus the cost of goods and I'll look that up and try to put that in the show notes that shows that graph of how the purchasing power of the dollar has decreased significantly over the past century.
• 20:39
  I Hate Talking: And more so and more rapidly in these past few years, there's uh some statistics that I was reading that based on 18 months ago, so just a year and a half ago, that for a family of 4, which were a family of 6, that for this particular family of 4 that it costs $11,000 more a year to buy the same amount of groceries and basic needs today.
• 21:08
  I Hate Talking: In that time 18 months ago.
• 21:10
  I Hate Talking: That's hard.
• 21:11
  I Hate Talking: And there's a variety of different inflation statistics that you can look at.
• 21:17
  I Hate Talking: There is the quote unquote official inflation rate, uh, which I think has been, you know, anywhere from 3 to 5 upwards of 6%.
• 21:27
  I Hate Talking: There's some statistics that I was reading, uh, earlier today that uh show on an annual basis, it's about 8%.
• 21:35
  I Hate Talking: Uh, versus an average wage increase of typically 3%.
• 21:40
  I Hate Talking: So again, real wages are now nowhere near what the cost of goods are being paced at and there's even some statistics out there based on again what particular goods you are buying that the inflation rate could be as high as 35%.
• 21:59
  I Hate Talking: So, how long will this happen?
• 22:02
  I Hate Talking: Like, I don't understand um why it's happening or what, who's benefiting from this.
• 22:09
  I Hate Talking: I feel like everyone I Or at least know is hurting.
• 22:13
  I Hate Talking: So perhaps a deeper dive into inflation and central banks and the monetary policy of the United States will be the subject of a future episode, but I think we are getting perhaps a little bit long-winded for including that in this particular episode.
• 22:35
  I Hate Talking: So let's return to the question that was asked previously, what can one do about their budget?
• 22:42
  I Hate Talking: And these financial realities as well as potentially the perception of money dysmorphia.
• 22:51
  I Hate Talking: I'm all ears.
• 22:53
  I Hate Talking: So there is a particular quote that uh I will read here from Scotty Hobbs, who is I guess a social media influencer slash bodybuilder who offers financial advice on the side.
• 23:08
  I Hate Talking: He does it all.
• 23:08
  I Hate Talking: He does it all, but nonetheless, he posted this question What does it take to blow $10,000 in one year?
• 23:17
  I Hate Talking: Just $27.40 a day in miscellaneous spending.
• 23:22
  I Hate Talking: He says it's not just the big purchases that keep you broke, it's the small ones that you think won't make a difference.
• 23:29
  I Hate Talking: Yeah, I mean, cause you think When I first heard that, I'm like, $27 that's way too much money a day.
• 23:37
  I Hate Talking: But it's like, oh, this item, it's just $4.
• 23:42
  I Hate Talking: 0, this one the coffee, it was $3 and it really adds up.
• 23:47
  I Hate Talking: You only have to buy 5 of those items.
• 23:50
  I Hate Talking: And then you're at that limit.
• 23:53
  I Hate Talking: Yup, and it is somewhat of a joke, I think in the financial world, right, that you can for just the price of a cup of coffee a day or for if you stop eating avocado toast that you'll be able to buy a house.
• 24:09
  I Hate Talking: And I think that is a true reflection of the fact that real wages are not keeping up with the cost of goods, but that nonetheless that there is the opportunity to reduce frivolous spending.
• 24:21
  I Hate Talking: In order to deal with this economic environment that we are in.
• 24:25
  I Hate Talking: The article and some of the statistics that we pulled for the money dysmorphia conversation.
• 24:34
  I Hate Talking: Also have some suggestions on how to cope.
• 24:37
  I Hate Talking: They say that you should consult with a financial advisor, which is an interesting suggestion that you would need to spend more money in order to save money.
• 24:47
  I Hate Talking: But nonetheless, there are a variety of options that you can learn about finances, and I think that's the key aspect is that you need to learn how money works and learn how to budget.
• 24:59
  I Hate Talking: As well as learn some of the things that impact the economic and financial world that uh perhaps we will talk about in a future episode.
• 25:09
  I Hate Talking: And uh putting together a monthly budget is a critical thing that goes along with that and there's a variety of different ways that you can do that with budgetary tools as well as different styles of budgeting uh that are out there from different financial gurus and different financial systems.
• 25:28
  I Hate Talking: Right, well, I heard that a couple of states are um.
• 25:32
  I Hate Talking: Alley's proposing, if not, have already sanctioned, that high school students can't graduate until they have a budget and finance course.
• 25:44
  I Hate Talking: I think that's amazing because the shocking amount of high schoolers to graduate and don't know how to do any kind of finances is scary and puts them on a really hard trajectory.
• 25:58
  I Hate Talking: Exactly.
• 26:00
  I Hate Talking: And one of the oft asked questions, what is your greatest asset?
• 26:07
  I Hate Talking: If we were broke, if you were No longer here and I had to.
• 26:15
  I Hate Talking: Take care of the kids and I, uh, I guess I'd sell the house.
• 26:20
  I Hate Talking: My house was my greatest asset.
• 26:22
  I Hate Talking: Indeed, and that is the answer of most people, but what I would consider the true answer, -- you -- are the answer.
• 26:34
  I Hate Talking: Well, we are all on the road to understanding through these conversations.
• 26:41
  I Hate Talking: So I'm sharing my opinion is that your house is a significant asset, but that your own intrinsic ability and your worth in terms of the job marketplace is your greatest asset.
• 26:58
  I Hate Talking: So if you need to increase your worth that you invest in yourself in terms of being able to gain new skills or continue within your particular career path so that you have greater worth and greater income to deal with these increasing costs of the day.
• 27:19
  I Hate Talking: OK, that's, that's sweet.
• 27:22
  I Hate Talking: And it's true, uh, because I could get a job.
• 27:27
  I Hate Talking: Even if it was um just at the local place right next door.
• 27:31
  I Hate Talking: You know, or um more with my career path.
• 27:37
  I Hate Talking: So, I like, that's a sweet thought, and like your intrinsic abilities.
• 27:42
  I Hate Talking: But in my head, I'm like, sell the house, sell the cars, but we need those to get the jobs.
• 27:50
  I Hate Talking: Sell certain high-end items we may have.
• 27:54
  I Hate Talking: Obviously not for as much as we paid for them, but it would be money, cash flow.
• 28:00
  I Hate Talking: Exactly, and that's the cash flow aspect that is central to the question here is that if you stopped receiving income, how long could you sustain your current lifestyle?
• 28:12
  I Hate Talking: There are very few ways that you could increase your income without investments of time or funds, and unless we're receiving passive income to cover recurring expenses, uh, we are in debt and dependent on our time, health and energy for income.
• 28:28
  I Hate Talking: And uh this is quoted uh just those last two sentences there from a Redditor XXX Buzz, who I think has a very insightful take on that is that it's our time, health and energy that are critical for our income and if we don't protect those things, that when that ends, we won't be able to continue generating income and dealing with these increasing costs.
• 28:53
  I Hate Talking: Yeah, that makes a lot of sense.
• 28:56
  I Hate Talking: So, one final thing that I think we can consider in terms of this financial discussion that we've been having is again, Looking at how we compare ourselves to others.
• 29:11
  I Hate Talking: So not only should we understand how money works and understand how financial systems impact our ability to earn an income or deal with rising costs, that perhaps one of the most concrete things that we can do immediately is stop scrolling social media where you're more likely to again not only Compare yourselves to others and what they have in terms of their material assets, but also that we are being confronted within those social media applications, many, many ads that could cause impulsive purchasing.
• 29:49
  I Hate Talking: Yeah, and it's amazing.
• 29:52
  I Hate Talking: Uh, this is probably another topic for another day.
• 29:55
  I Hate Talking: But how those ads.
• 29:58
  I Hate Talking: Um, are generated by what you're talking about or seeing.
• 30:03
  I Hate Talking: I was talking to someone about a certain kind of yoga.
• 30:07
  I Hate Talking: She was telling me about it.
• 30:08
  I Hate Talking: And now, I did not Google it or anything.
• 30:12
  I Hate Talking: It was just in our text app.
• 30:14
  I Hate Talking: And now I'm getting a, every time I'm on Facebook, I'm getting ads for this yoga.
• 30:20
  I Hate Talking: And uh maybe it's a coincidence, but I'm pretty sure that Whatever apps we're using, saw that she talked about it, and now they want me to pay $5 a month to use these apps.
• 30:35
  I Hate Talking: There you have it.
• 30:37
  I Hate Talking: Everything is listening to everything that we say.
• 30:39
  I Hate Talking: I almost signed up today, by the way.
• 30:42
  I Hate Talking: Well, I'm glad you restrained yourself.
• 30:44
  I Hate Talking: So, from your friends that I hate talking until next time, remember, it is only through talking that we begin the journey to understanding.