Latest / The Bill Handel Show / ‘How to Money’ with Joel Larsgaard | Elon Musk Sets New Net Worth Record

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‘How to Money’ with Joel Larsgaard | Elon Musk Sets New Net Worth Record · The Bill Handel Show

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Speaker 1: You're List Saints.
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Speaker 2: KF I AM six forty the bill handle show on
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Speaker 2: demand on the iHeartRadio fanf I am a sixth forty
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Speaker 2: handle here. On a Thursday morning, December eighteenth, some of
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Speaker 2: the stories we were following, the President announced that he
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Speaker 2: is giving one point four million members of the US
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Speaker 2: military a check, a bonus check of one thousand, seven
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Speaker 2: hundred and seventy six dollars before Christmas.
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Speaker 1: This is the.
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Speaker 2: Warrior Dividend in honor of the country's founding in seventeen
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Speaker 2: seventy six. Also, I don't know if you heard the
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Speaker 2: President's speech last night or his remarks at the Oval Office,
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Speaker 2: And I didn't even know this that if you combine
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Speaker 2: all of the accomplishments of Abraham Lincoln and George Washington together,
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Speaker 2: they don't hold a candle to what President Trump has
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Speaker 2: been able to do his first year of office.
1:01
Speaker 1: Just ask him.
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Speaker 2: Okay, a little hyperbole, but you get the general gist,
1:06
Speaker 2: don't you.
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Speaker 1: Now.
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Speaker 2: It's Joel Larsgard, the host of How to Money. Sunday twelve.
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Speaker 2: You have the two pm all right here on KFI.
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Speaker 2: His address social address at how to Money Joel. His
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Speaker 2: website is Howtomoney dot Com and good morning Joel, Morning Bill. Okay,
1:25
Speaker 2: let's get right to it because we have a fair
1:27
Speaker 2: amount to cover. As everyone knows that gambling has swept
1:33
Speaker 2: the United States. It used to be most states did
1:37
Speaker 2: not allow it, and it was just Las Vegas for
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Speaker 2: the most part. Now everybody does it. You can do
1:42
Speaker 2: it online, you do it from your device, and of
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Speaker 2: course the number of people that are actually gambling has exploded.
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Speaker 2: At the same time, it's become a huge problem. And Joel,
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Speaker 2: would you get into that for a moment.
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Speaker 3: Yeah, so's it really is becoming a problem as the
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Speaker 3: vast majority of states have now legalized sports betting, and
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Speaker 3: let's be honest, there are ways even around it if
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Speaker 3: your state says, actually it's not legal. That there are
2:11
Speaker 3: people that be a VPN like partaking and you can't
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Speaker 3: watch a sporting event without getting inundated with ads for
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Speaker 3: the stuff, and it's your favorite celebrities and stuff like that,
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Speaker 3: and it's so normalized and people are just like, oh man,
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Speaker 3: it's gonna up my enjoyment of the game if I
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Speaker 3: can bet on not just my favorite team, but if
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Speaker 3: I can bet on really a lot of interesting like
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Speaker 3: parlays and prop bets and stuff like that, and so
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Speaker 3: it's gotten even just more nefarious and integrated with the
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Speaker 3: sports themselves, and people are finding it. If you look
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Speaker 3: at the stats, like in states where sports betting was legal,
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Speaker 3: we're seeing a lot more calls to the National Problem
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Speaker 3: Gambling Helpline, And so it just looks like addiction is
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Speaker 3: on the rise and people are betting money that they
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Speaker 3: can't afford to lose.
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Speaker 2: Yeah, and each your point when you see these ads
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Speaker 2: for the websites where you can sports bet, and I mean,
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Speaker 2: this has become a huge business. You know, at the
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Speaker 2: bottom there's a disclaimer you should game responsibly and then
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Speaker 2: they give you the odds right there on the game
3:17
Speaker 2: of the week. Now, I don't know if you remember
3:21
Speaker 2: Rich Baratta used to be on this show.
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Speaker 1: He was our sports guy. Yeah, and he now lives
3:26
Speaker 1: in Reno.
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Speaker 2: Every day he goes to the sports book at the hotel,
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Speaker 2: which is another one the sports books you play you
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Speaker 2: gamble like crazy. It used to be just Las Vegas
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Speaker 2: and people realized, wow, there's a real money situation here.
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Speaker 2: So I guess it's a growth business among psychologists. Who knows,
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Speaker 2: I mean, I shrink that's where I would go. It's
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Speaker 2: just interesting.
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Speaker 3: It's interesting to see just how far this kind of
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Speaker 3: gamblification of America is going. So Like, not only is
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Speaker 3: it sports gambling, I think that was kind of the
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Speaker 3: tip of the spear in Robinhood even just announced that
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Speaker 3: they're launching NFL parlay and prop bets on their prediction
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Speaker 3: market platform. But we're starting to see the rise of
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Speaker 3: these prediction markets too, where you can well, it's not
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Speaker 3: it's not gambling, you're you're I don't know how they
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Speaker 3: can they can say that it's not gambling, but you
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Speaker 3: can bet on essentially what's going to happen in the news,
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Speaker 3: Like there are just a trillion things that you can
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Speaker 3: bet on now via like kalshih and and and services
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Speaker 3: like that, and it's just it's kind of interesting. I
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Speaker 3: think people are getting sucked in and they don't realize
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Speaker 3: it seems like it's no harm, no foul betting on
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Speaker 3: who's gonna win a certain political race or something like that.
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Speaker 3: And it is interesting how how correct a lot of
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Speaker 3: these predictions markets have been. But that doesn't mean that
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Speaker 3: it's not risky for a lot of people. And even
4:54
Speaker 3: to just take this further, I heard about this app
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Speaker 3: and website this week. It's essentially this new credit card
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Speaker 3: that's supposed to launch in twenty twenty six. It's called Covered,
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Speaker 3: and it's backed by the deepest pockets in Silicon Valley.
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Speaker 3: And basically this is the craziest thing they build their
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Speaker 3: services paying bills made fun And if that's not a
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Speaker 3: red flag, I don't know what is. Essentially, it's this
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Speaker 3: credit card that comes with cash back up to one
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Speaker 3: hundred percent, they say, And that's because you can essentially
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Speaker 3: gamble on the back end, potentially losing more money in
5:27
Speaker 3: hopes to have some of those purchases that you made
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Speaker 3: on that credit card covered by this company. And it's
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Speaker 3: just like it just feels like it's gambling all the
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Speaker 3: way down in the United States right now.
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Speaker 2: By the way, good word gamblification. Ooh, that really impressed me.
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Speaker 2: The other thing about gambling, which is so funny. If
5:43
Speaker 2: you go to any police department and you go to
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Speaker 2: their vice squad and they're the ones that go after
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Speaker 2: illegal gambling, try going there in New Year's Day and
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Speaker 2: see how many or in early February and see how
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Speaker 2: many of people in the squad bet on the Super
6:02
Speaker 2: Bowl that's just something every bit. Does we have a pool?
6:08
Speaker 2: We have a pool here, don't we?
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Speaker 1: Amy? Do we have a football pool around or Kno,
6:14
Speaker 1: we used to have football pools. I wish.
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Speaker 3: Well, there's like a little bit of a difference right
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Speaker 3: between the friendly office bet on the NCAA bracket or
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Speaker 3: who's going to win the Super Bowl or so somebody
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Speaker 3: in the office usually buys, right, like a bunch of
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Speaker 3: lottery tickets and every moon chips in a little bit
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Speaker 3: that that seems harmless compared to instant access to all
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Speaker 3: sorts of various betting types in our pockets at one
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Speaker 3: hundred percent of the time. That to me is where
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Speaker 3: people are getting in trouble and they don't know how
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Speaker 3: to stop themselves. And when we're incentivizing it, and when
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Speaker 3: states are making money off of it, I think this
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Speaker 3: is only gonna be going to become more of a problem, all.
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Speaker 1: Right, Joel.
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Speaker 2: People moving out of the United States, and I know
6:55
Speaker 2: people that have moved out not because of money, but
6:58
Speaker 2: because of the political climate. That's a real thing going on.
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Speaker 2: But a lot of people moving over because saving money.
7:07
Speaker 2: So let's talk about that. How much money do you
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Speaker 2: save and is it worth the hassle moving overseas, because
7:12
Speaker 2: that's no small deal.
7:14
Speaker 1: No it's not.
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Speaker 3: And yeah, whether you save money, how much money you
7:17
Speaker 3: save depends on where you go, depends on whether you're
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Speaker 3: still able to make an income from that new place
7:23
Speaker 3: that you're moving. Can you still retain Like we had
7:26
Speaker 3: a listener reaching out recently and he's like going back
7:29
Speaker 3: to India to take care of his parents if he's
7:31
Speaker 3: able to continue to keep his job that's over here
7:35
Speaker 3: in the United States. It's like in the tech sector, man,
7:37
Speaker 3: he's going to crush because the cost of living is
7:39
Speaker 3: so much more affordable in India. And that's kind of
7:42
Speaker 3: an extreme case and one that's going back to take
7:45
Speaker 3: care of family. But there's been just a surge of people,
7:49
Speaker 3: especially middle class people, deciding that they want to move
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Speaker 3: overseas because they think it's going to save the money.
7:55
Speaker 3: It's just the concept is called geographic arbitrage, and it's true,
7:59
Speaker 3: like if you're able to keep your same income or
8:01
Speaker 3: even let's say you've built up enough if you're getting
8:03
Speaker 3: close to retirement age. I had a neighbor a few
8:05
Speaker 3: years ago moved down to Panama because she was like, hey,
8:08
Speaker 3: I've saved decently well, but guess what, my retirement's going
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Speaker 3: to be a whole lot more plush down in Panama
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Speaker 3: than it is if I stay here in the United States.
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Speaker 3: And that's just because the cost of living is something
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Speaker 3: like thirty percent cheaper. So there's a lot of options
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Speaker 3: for people to move other places if they're so inclined
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Speaker 3: to stretch their dollar further.
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Speaker 2: Yeah, retired people, it's an easy PZ thing to do.
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Speaker 2: For example, down in Baja and I think near Rosa, Rita,
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Speaker 2: or near maybe Yeah, I don't know the name of
8:37
Speaker 2: the community, but it's like fifty thousand Americans there, and
8:41
Speaker 2: you can live like king on twelve hundred dollars a month,
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Speaker 2: and twelve hundred dollars a month here is nothing, and.
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Speaker 1: So people move. But how I those places got?
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Speaker 2: You know, everybody knows that at this point that when
8:53
Speaker 2: I retire, I'm definitely gonna live part of my time
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Speaker 2: in Italy because I just happened to be in love
8:58
Speaker 2: with Italy.
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Speaker 1: But then I'm not working.
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Speaker 2: So other than a remote work you can do, you're
9:04
Speaker 2: kind of out of what because you can't work overseas
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Speaker 2: unless you're a citizen, So.
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Speaker 1: How do you do it? Yeah, how do you put
9:14
Speaker 1: that together? Right?
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Speaker 3: And that's that is the thing that people struggle with
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Speaker 3: the most if they aren't able to keep some sort
9:21
Speaker 3: of if they have their own business, small business, let's say,
9:24
Speaker 3: then you can kind of often do that, let's say,
9:26
Speaker 3: from anywhere, depending on what your business is, if it's
9:29
Speaker 3: like an online business. So you see that, especially with
9:33
Speaker 3: Puerto Rico, right, there are significant tax benefits for moving
9:37
Speaker 3: to Puerto Rico. Puerto Rico has this thing called Acts sixty,
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Speaker 3: which allows people who establish residency there to pay a
9:44
Speaker 3: whole lot less in tax just.
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Speaker 1: By living on that island.
9:48
Speaker 3: And really for Puerto Rico, it's an incentive to get
9:50
Speaker 3: people to build businesses down there, for people who are
9:53
Speaker 3: investors to move down there, so that to build up
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Speaker 3: the Puerto Rican economy. And so that's another angle that
9:59
Speaker 3: people take when they're thinking about moving abroad.
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Speaker 1: Oh well, hey, if taxes are.
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Speaker 3: One of my main problems that I face and I'm
10:05
Speaker 3: trying to reduce my tax burden, Puerto Rico sure looks good. Yeah,
10:10
Speaker 3: And so really people kind of come with all these
10:12
Speaker 3: different ways. Man. Maybe it's just like, hey, I don't
10:14
Speaker 3: need as much money, kind of I'm semi financially independent,
10:18
Speaker 3: but guess what, I am financially independent if I move
10:21
Speaker 3: to Portugal or I've got a tax problem, Puerto Rico
10:24
Speaker 3: is going to help me solve that. There's just it's
10:25
Speaker 3: so much depends on the particular situation and where somebody's
10:29
Speaker 3: wanting to move.
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Speaker 2: You know, I know of two people who have moved
10:32
Speaker 2: to Puerto Rico. And these are high net worth people
10:37
Speaker 2: who are still working and make buckets of money, and
10:41
Speaker 2: they've moved to Puerto Rico where taxes are. Keep in mind,
10:44
Speaker 2: here in California, it's fifty percent taxes if you're making
10:48
Speaker 2: like over a million dollars a year, and these people
10:50
Speaker 2: make way north of a million dollars a year. Taxes
10:53
Speaker 2: in Puerto Rico are between seven and eight percent. If
10:56
Speaker 2: you look at all the programs, I mean, there's only
10:59
Speaker 2: one downside by the way to moving to Puerto Rico,
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Speaker 2: and it's moving to Puerto Rico.
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Speaker 1: Well, that's the thing.
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Speaker 3: Some people do it for a few years in an
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Speaker 3: effort to like, you know, be able to unload some
11:13
Speaker 3: stocks and avoid some capital gains taxes and stuff like that,
11:16
Speaker 3: or build a business and avoid you know, tax for
11:19
Speaker 3: a little while, but then they end up moving back
11:21
Speaker 3: or there are some big xpac communities there though where
11:24
Speaker 3: and I just this is not one of those things
11:27
Speaker 3: where most people are going to think about this or
11:30
Speaker 3: decide to act on it. But it's also just one
11:32
Speaker 3: of those interesting kind of I mean, even just moving
11:35
Speaker 3: from one place to another inside of the United States.
11:38
Speaker 3: As Americans, we've done that less and less, but just
11:40
Speaker 3: moving from a high cost of living place to a
11:42
Speaker 3: lower cost of living place.
11:44
Speaker 1: It's fascinating to see.
11:45
Speaker 3: How and a lot of people are doing that, especially
11:47
Speaker 3: during COVID saying I'll move them out to the excerbs
11:50
Speaker 3: and buying a house. I got more property and guess what,
11:52
Speaker 3: I've reduced my living expenses. At the same time, there
11:55
Speaker 3: are a lot of ways to skin the cat of
11:58
Speaker 3: reducing how much money you pay tax, of reducing your
12:01
Speaker 3: overall living expenses, and thinking outside the box can be helpful.
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Speaker 2: Yeah. One of the things and then we're gonna bail
12:06
Speaker 2: out and we'll do their home flipping story probably next week,
12:10
Speaker 2: is that Americans, as unpopular as they are in many cases,
12:14
Speaker 2: in general, they are really unpopular in areas like Portugal
12:19
Speaker 2: and the Czech Republic, because they come in and start
12:23
Speaker 2: buying or start renting, and then the prices, the housing
12:27
Speaker 2: prices go through the roof and the locals, well, they're
12:33
Speaker 2: not very happy about it. So that's the other side
12:35
Speaker 2: of the coin, all right, Joel, we think about culture. Yeah,
12:39
Speaker 2: that's true unless those of us who have absolutely no
12:42
Speaker 2: culture don't care. Okay, Joel, This Sunday, twelve to two pm,
12:47
Speaker 2: and it's how to money.
12:48
Speaker 1: You have a good one. Take care, Joel, catch over
12:50
Speaker 1: the week. Okay.
12:52
Speaker 2: The richest man in the world we know is Elon Musk,
12:58
Speaker 2: but he is becoming the rich span of the world
13:01
Speaker 2: by a long shot. He took another leap towards becoming
13:07
Speaker 2: the world's first trillionaire. Now as of this point, it's
13:13
Speaker 2: not that easy, but man, he is moving really along
13:18
Speaker 2: this path. This is the pathway to trillionaire. Ship SpaceX
13:25
Speaker 2: launched an offer, a tender offer, valuing the firm at
13:28
Speaker 2: eight hundred billion dollars.
13:31
Speaker 1: Now that's double what it was in August.
13:34
Speaker 2: And this is a couple of the company's investors who
13:38
Speaker 2: were interviewed by Force, which now boosts the fortune of
13:42
Speaker 2: Musk because this offer, this tender offer, which means stock
13:46
Speaker 2: is going to be sold based on the valuation of
13:50
Speaker 2: eight hundred billion dollars, double what it was just in August.
13:56
Speaker 2: Let's look at what Musk owns. He owns forty two
13:59
Speaker 2: percent SpaceX. Yeah, and his net worth went from one
14:07
Speaker 2: hundred and sixty eight billion dollars to an estimated six
14:11
Speaker 2: hundred and seventy seven billion dollars. He's two thirds of
14:14
Speaker 2: the way and no one has ever been worth even
14:17
Speaker 2: close to five hundred billion dollars. And he is worth
14:21
Speaker 2: seven hundred and seventy seven billion as of right now.
14:25
Speaker 2: And so SpaceX is targeting this IPO next year and
14:31
Speaker 2: it could value the company's the company at around one
14:35
Speaker 2: point five trillion dollars according to one of the investors,
14:39
Speaker 2: which makes him well, makes him the world's first trillionaire.
14:44
Speaker 1: Pretty impressive.
14:46
Speaker 2: So his steak in space SpaceX is three hundred and
14:49
Speaker 2: thirty six billion dollars.
14:50
Speaker 1: I mean, these figures are ridiculous.
14:54
Speaker 2: His twelve percent percent Tex steak in Tesla is worth
14:59
Speaker 2: one hundred nine these seven billion dollars, which by the way,
15:03
Speaker 2: is excluding the stock options that he got in twenty
15:08
Speaker 2: eighteen a the CEO performance award that the company gave
15:13
Speaker 2: him and that was voided by a Delaware judge last
15:17
Speaker 2: year saying this is way insane. So even with all
15:22
Speaker 2: that the exclusion, I mean, it is completely crazy. I mean,
15:27
Speaker 2: it's just going on a good the companies he has
15:30
Speaker 2: XAI Holdings raising money at a funding of or at
15:36
Speaker 2: a valuation of two hundred and thirty billion dollars. That's
15:40
Speaker 2: his AI plus X. I mean, just completely crazy. And
15:46
Speaker 2: so it's going to be a whole series of milestones.
15:49
Speaker 2: Bottom line, it seems like everything he touches is worth
15:54
Speaker 2: and becomes insanely successful. The biggest player is SpaceX, and
16:00
Speaker 2: there I think you have to give him, well, no,
16:02
Speaker 2: you have to give him a lot of credit for
16:04
Speaker 2: the first commercially viable EV with Tesla. Prior to that,
16:11
Speaker 2: it just didn't work because of the battery, the length
16:15
Speaker 2: of the battery or the storage of the battery in
16:17
Speaker 2: terms of mileage, just didn't work. He came up with
16:21
Speaker 2: a car that it did work, broke all kinds of
16:23
Speaker 2: new grounds. And SpaceX, I mean he was a visionary.
16:27
Speaker 2: Everybody thought of space travel as NASA and double and
16:33
Speaker 2: triple redundancy just insanely expensive. And then we went into
16:37
Speaker 2: the shuttle, which was insanely expensive, and Musk came up
16:42
Speaker 2: with a philosophy. And I've talked to a couple of
16:46
Speaker 2: SpaceX employees where Musk said, you know what, I'm just
16:50
Speaker 2: building a bus that goes into space.
16:54
Speaker 1: That's it.
16:55
Speaker 2: Much like you get on a bus, you get off
16:59
Speaker 2: a bus, and the US is still there. I mean
17:02
Speaker 2: he likened it to you get on an airplane from
17:05
Speaker 2: New York to Los Angeles and then you throw the
17:08
Speaker 2: airplane away. That's what space travel used to be, and
17:12
Speaker 2: today he's changed it. And he is also a complete
17:18
Speaker 2: dick from what I understand. Fourteen kids, five different women
17:24
Speaker 2: and head of those if you remember that, and just
17:28
Speaker 2: I'll tell you what you can do being the world's
17:30
Speaker 2: first trillionaire. You know, even a billion dollars is real
17:33
Speaker 2: money these days. I remember the days when the first
17:36
Speaker 2: person hit a billion dollars. Boy was that news.
17:40
Speaker 1: Jeez. Today, a billion dollars to some of.
17:43
Speaker 2: These people is literally change you find between the cushions.
17:47
Speaker 1: On your couch or in your couch. Now.
17:50
Speaker 2: A couple of stories were covering by the way before
17:52
Speaker 2: I get to the topic of community college and how
17:55
Speaker 2: it is a harbinger of things to come because coming
18:00
Speaker 2: college is a canary in the coal mine, and I'll
18:04
Speaker 2: explain that in a moment, But first, what's going on.
18:08
Speaker 2: The US Department Health and Human Services terminated several multimillion
18:12
Speaker 2: dollar grants to the American Academy of Pediatrics.
18:15
Speaker 1: Right, that's just to start, by the way.
18:18
Speaker 2: And the House Republicans approved this very narrow package aimed
18:22
Speaker 2: at lowering health care costs for some Americans starting in January. Well,
18:28
Speaker 2: it won't pass in the Senate and it will not
18:30
Speaker 2: lower costs except for a few Americans relatively. And the
18:35
Speaker 2: subsidies that the Obama Care that was extended because of COVID,
18:43
Speaker 2: they are now in jeopardy.
18:45
Speaker 1: Or actually they end.
18:46
Speaker 2: They end at the end of the month, which is
18:49
Speaker 2: a week and a half hour. Is that two weeks
18:51
Speaker 2: out or is that twelve days out? End of the month.
18:56
Speaker 2: It's at the end of the month. Okay, that's easy
18:59
Speaker 2: to say. Now, the canary and the coal mine. What
19:03
Speaker 2: do I mean by that? Community colleges enrollment is up
19:08
Speaker 2: more than ten percent in most community college districts in California.
19:12
Speaker 1: And what does that mean?
19:14
Speaker 2: Well, when enrollment community college goes up, that generally means
19:19
Speaker 2: that the economy is going to go south or has
19:24
Speaker 2: gone south. Now we're not in a recession here in California,
19:30
Speaker 2: but there are some economic indicators, and one of them
19:33
Speaker 2: is enrollment in community college.
19:36
Speaker 1: Unemployment is going up. It is getting.
19:39
Speaker 2: Harder to find a job, there's no question about that.
19:42
Speaker 2: A lot of it has to do with AI and
19:44
Speaker 2: that's just part of doing business today living in the
19:48
Speaker 2: United States or anywhere. The cost of consumer goods toilet paper, cosmetics,
19:53
Speaker 2: food is going up, and the tariffs have cost us
20:00
Speaker 2: some money. So put all that together and the future
20:02
Speaker 2: does not bode well economically speaking. Now we're gonna go
20:06
Speaker 2: into recession probably not. Are we going to go into
20:09
Speaker 2: some massive downturn, probably not. Our price is going to
20:13
Speaker 2: to continue to rise, of course, because inflation goes up
20:16
Speaker 2: and there's no way around it. They're not gonna be
20:18
Speaker 2: cut in half. They're not gonna be lowered. They are
20:22
Speaker 2: continuing to go up. And the trick is with the
20:25
Speaker 2: Fed manipulating the money supply to keep it relative to
20:31
Speaker 2: inflation and control, well, control inflation, because that is what
20:36
Speaker 2: the Fed does, and that's really important. So we're gonna
20:39
Speaker 2: have inflation, but will it be controlled inflation? Inflation is
20:42
Speaker 2: good if it is kept down to a certain level.
20:46
Speaker 2: So what else is bringing students back to school? Well,
20:50
Speaker 2: the pandemic created this historic immediate drop in college enrollment,
20:56
Speaker 2: and now you have the students coming back. Although a
21:00
Speaker 2: lot of districts are saying we're just at pre pandemic levels,
21:05
Speaker 2: a lot of students are taking these junior college courses
21:12
Speaker 2: because they're credited towards junior college credits or even university credits,
21:19
Speaker 2: and those have exploded in popularity and becoming more and
21:22
Speaker 2: more popular. And the other thing is coming out with
21:27
Speaker 2: some kind of a certificate from junior college actually gives
21:30
Speaker 2: you a step up because you're immediately employed medical assisting, welding, automotive. Hey, beforeward,
21:38
Speaker 2: bail real quickly. Have you seen those ads daytime TV?
21:42
Speaker 2: Is what they used to have. You go with these
21:45
Speaker 2: four private schools and you can be a medical assistant
21:49
Speaker 2: either back room or the front room, in other words,
21:53
Speaker 2: the receptionist area. And let me tell you how complicated
21:57
Speaker 2: it is to become a medical assistant because what these
22:00
Speaker 2: goals who charge three four thousand dollars tuition for a semester,
22:04
Speaker 2: what they teach you is to pick up the phone
22:06
Speaker 2: and go hi doctor Smith's office.
22:10
Speaker 1: Can I help you there? It is, thank you very much.
22:14
Speaker 2: And one of the things I loved because I dealt
22:16
Speaker 2: with medical groups and doctors for a very long time
22:19
Speaker 2: when I was doing surrogacy, of course, infertility specialists. I
22:22
Speaker 2: would call and I would ask for the doctor. Let's
22:26
Speaker 2: call him doctor Smith, and the receptionists would say, doctor
22:31
Speaker 2: is not available right now. What do you mean, doctor,
22:35
Speaker 2: isn't it the doctor? No, doctor is not available, And
22:40
Speaker 2: I would say, well, tell doctor that lawyer is on
22:43
Speaker 2: the phone and would like to talk to him. Okay,
22:46
Speaker 2: we're done, guys, Gary and Shannon up next tomorrow we
22:50
Speaker 2: come back. It's a Friday, and it's foody Friday, which
22:54
Speaker 2: is not gonna happen because the Neil. But I still
22:55
Speaker 2: think we're gonna do ask candle anything. If I'm not mistaken,
22:59
Speaker 2: will it comes in at five o'clock with Amy wake
23:03
Speaker 2: up call, and then I jump aboard with just me,
23:06
Speaker 2: no Neil tomorrow, and then of course Cono and Ann
23:10
Speaker 2: are always here to make my life completely utterly miserable
23:13
Speaker 2: and succeed beyond their wildest imaginations. Catch you in the morning, everybody, KF.
23:19
Speaker 2: I am six point forty.
23:21
Speaker 1: You've been listening to the Bill Handle Show.
23:23
Speaker 2: Catch my Show Monday through Friday, six am to nine am,
23:26
Speaker 2: and anytime on demand on the iHeartRadio app