Cost of living GONE WILD

[00:00:03] Speaker A: Where are they? [00:00:04] Speaker B: They're probably upstairs. They never answer the door. Oh, wait, it's Monday night. They're on the second floor. [00:00:24] Speaker A: Hey, guys. Welcome back. [00:00:25] Speaker B: I'm Born and I'm Matt. And today we're going to be talking about cost of living. I don't know if anybody knows anything about that or not, but today's a little bit. Today's and times a little bit different than what it was even five years ago. It's different. But that's what we're going to talk about today. We want you guys to join in with us. If you like it, tell somebody about it. But cost of living today is. It's different than it was even five years ago. [00:00:57] Speaker A: There's only one word. Astronomical. [00:00:59] Speaker B: Yeah, yeah, it is that. It is that. [00:01:03] Speaker A: Irritating. That's a good word for it. [00:01:05] Speaker B: Very irritating. It's still. No matter what political party you're with, I mean, it still makes it tough for anybody today to live no matter which way you're going with your political beliefs there. But I mean, I can remember like we were like last, last time we were talking about our jobs and stuff at that grocery store, how things, a lot of things have changed. You know, I'm not a huge fan of going to the store with my wife because if it was for me, if it was, if it was for me or I don't, I won't buy nothing. But when we go in, like, I would rather her just get the groceries. I love the new pickup order thing they got so I don't have to see what kind of cost what, none of that sort of stuff. [00:01:48] Speaker A: Talking about a Walmart pickup order. Walmart, any grocery store that keeps me out of Walmart. So I'm tickled to death. [00:01:53] Speaker B: Yeah. So, yeah, Walmart, Food cities, wherever, wherever you shop, they got the, you know, just throw it in the back of my car. I'm not a huge fan because if I would go to, to shop, I wouldn't be buying a whole lot because I don't think I should pay that for whatever the item is. It doesn't matter what it is nowadays. I just, I don't. So I remember back in 2006, that was. I sound like some old man, you know that, you know, you hear, you know, I used to be able to get a battery back in, back in 99 for $49. You know, that stuff's all gone. But, but, but I mean, groceries is, groceries is high cost. Everything's high now. [00:02:36] Speaker A: I'll tell you what makes me, what's worse than groceries. Being high is. Yeah, you got to go through and see all the prices, deal with all the shopping. If you go. I don't. I try not to go with my wife either. But if you have to do that, you got to walk through, see all these high price things. You may see something you want, be like, I ain't paying for that. I'm not going. You know? You know, so it's hard to get what you want because of how expensive everything is. And on top of that, now this again throughout the country. This may be totally different, but what, 15 years ago, you could go to the grocery store and not have to bag your own groceries. That's what kills me. These people are making more money than they've ever made doing this. Probably double what some of them used to make. Double. [00:03:18] Speaker B: Yeah, absolutely. They used to work 7, 25. Yeah. [00:03:21] Speaker A: And they're not even there. They're just standing there like, oh, my gosh. You talk about mad. I'm like, I'm fixing to pay 300 for these. I got a bag, you know, six bags of things, and I'm gonna put all this in here. And you know, you got some kids standing. It ain't. You know, they're talking about their test coming up or some girl text. [00:03:41] Speaker B: It's funny because the other day we was in. We were in Walmart and this, this lady, we were. We were in or I was in line. I was with guy I ride motorcycles with. And there were like two people in front of two, you know, getting ready to check out and we start stacking up. Well, undoubtedly her break's coming and she's just like, she just stops what she's doing. And she told the customer that she was ringing out. She said, I'm done dealing with this. I can't. I can't handle the stress load. And there was like two people behind me, so that would have made four people at max. Yeah. And she just turned around and left. She took her vest off. We don't know what happened. [00:04:28] Speaker A: To this day, she probably quit. [00:04:29] Speaker B: I think she did. [00:04:31] Speaker A: Yeah. [00:04:31] Speaker B: But that is, that. That right there is like a very good example of what you're dealing with today. [00:04:37] Speaker A: Yeah. [00:04:37] Speaker B: And why, like, she was probably. I told, I told him, I said, she's probably making 14, $15 an hour sitting there ringing customers out. You know, she was not like. And it wasn't like all of us had a bunch of stuff, you know, it was. It was very. I mean, it was almost. It was almost like everybody was in the $20 or 20 item last thing you know? Yeah, it wasn't. But, I mean, it wasn't a lot of stuff going on. It wasn't buggies and buggies of stuff. But another lady come over there and she apologized for everything that happened. And she said, that girl's been dealing with some stuff, you know, and yada, yada, yada. And so we get through the line and what we got was like two bags, and it was like 91 bucks. Two bags worth of stuff. But, yeah, I mean, the whole. The whole everything. Anything you go to do, like going out to eat now, if you've got any, if you have kids, or if it's just you and your wife, you're looking at $45 easily. [00:05:35] Speaker A: Yeah, you can spend a ton of money. It's insane. [00:05:38] Speaker B: I mean, people. People used to be like, I mean, this wasn't long ago, people used to say, you know, oh, yeah, well, me and my wife can go out to eat. It's just as cheap as it is to cook at home. Well, that's a bunch of crap now. I mean, I don't see. I don't. I don't think there's any benefit to eating out except more of a luxury than it is because you can save yourself a lot of money baiting at home. [00:06:00] Speaker A: So I'll tell you this. Yesterday, me and Megan went to Chili's. We got the. [00:06:08] Speaker B: What is it? [00:06:09] Speaker A: The three. Choose any three combo. So it's like any kind of, like, on their barbecue list. So you could get. You could get ribs. You get a half rack of ribs. You could get chicken crispers. You could get brisket, quesadilla, cheddar, jalapeno sausage. You know, you could choose any three of those. Get two sides. And we got that. And I think it was. And we had free chips and salsa for our visit or whatever, but it was like 35 bucks for that. So we both ate on that and I took it for lunch today. [00:06:43] Speaker B: Yeah, that's pretty. [00:06:44] Speaker A: That wasn't. That's. You gotta find it. [00:06:46] Speaker B: Yeah, but I mean, how many times you get to go out with just you and your wife? [00:06:50] Speaker A: Yeah, it's. [00:06:50] Speaker B: It's not much. Yeah, not much. Yeah. But, you know, I find myself, if we do go out to eat with the family, I mean, you're looking at $65 or more. 70. [00:07:02] Speaker A: That's at a. We went to. Where did we go? We went somewhere. Where was it? I can't remember what was it? But we went to. I guess it was. I guess it was sauceritas. I think we went to Sauceritas. And it was like $65 for four people, which I go on lunch. I can't get a taco salad and a drink for, you know, if you get the combo thing, it's $20. [00:07:24] Speaker B: Oh, I know. [00:07:25] Speaker A: I mean, it's insane. It's insane. It's made, it's made going to lunch hard. Like you almost gotta. [00:07:30] Speaker B: You need to pack your lunch. Absolutely. [00:07:32] Speaker A: You definitely need to. There ain't no doubt about that. [00:07:33] Speaker B: No, you. Well, you know, you know there. You can go down to the McDonald's if you want to eat for $5. [00:07:40] Speaker A: But can you still. [00:07:42] Speaker B: Oh yeah, yeah. You still got your five meal deal. Yeah, Like I hadn't done it in months. I had. Probably hadn't done it in five or six months. [00:07:49] Speaker A: What are you really eating though? [00:07:51] Speaker B: Exactly. Yeah. You don't know what you're eating. Yeah, it's pretty rough stuff. [00:07:54] Speaker A: You're not, you're not getting real meat. So if you are that. [00:07:59] Speaker B: But and housing, that's another thing. I mean housing is ridiculous right now. If you want to, if you want to build or if you want to. My cousin said he's, he's finishing up some homes and he said it's the most expensive he's built, you know, for the past 20 years. And he said it's the, you know, when you get to the finishing points. He said it's not that bad. Getting to roughed in. Yeah, rough, you know, dried in. And he says when you start getting in the inside and finishing up, he said it is ridiculously expensive. [00:08:36] Speaker A: Yeah. Like you're talking about cabinets and stuff. Oh, I know how that's been. [00:08:41] Speaker B: Yeah. [00:08:42] Speaker A: You know, we're getting ready to build next year. Right. [00:08:44] Speaker B: You told me that, but I didn't know if it was still. [00:08:47] Speaker A: I'm, I'm working on it. I think trudging forward, I think timeline wise, it's still going to work out. Right now we're looking at the. You'll find out we're doing water and electric. [00:08:56] Speaker B: I bet that's a. That's a. That's a. [00:08:58] Speaker A: That's. Well, so I can get all the material. It's 630ft. 620ft is what I got to run it. That's not to the house. That's just up to the top of the hill. And then we're going to kind of branch off from there. But that's 300 and something dollars in the pecs or the, not the pex, the PVC that we need to run it up there. So get The. I'll tell you this in just a second. But anyway, so that. So for the first 300ft it's $2,500 flat rate for the city to do or for the county to do that under what? Under underground underground electric. So it's 25. $2,500. That includes the box too for the, for the transformer. So $2,500 for the first 300ft. Anything over that's $5 and something a foot that I gotta pay. So it's gonna be like $4,100 or something to run that up there is what it's gonna end up being. So that's not bad. [00:09:49] Speaker B: I thought it was gonna be more than that. [00:09:50] Speaker A: Well, I thought it was gonna be more than that. But here's what's crazy. So we were looking. So we're running 2 inch water line up to the top of the hill. Okay. For volume to get, you know, have the right volume up there. It was three, so 300 something dollars from like, you know, like a wholesale supply place or whatever. Lowe's was like 800 something dollars for the pet, for the PVC. We need take a guess on how much the PEX was to get to get it. Enough to do 620ft. Now it made me have to buy seven or 800 foot of it. But guess, guess how much that would have cost me. [00:10:22] Speaker B: I have no idea. [00:10:23] Speaker A: $6,500. That's insane. [00:10:27] Speaker B: Wow. [00:10:27] Speaker A: That's not even the couplers that you need to connect it, you know. And I mean that's. Anyway that's the reason we're doing pvc. So. [00:10:34] Speaker B: Yeah. That's good though that you guys want to build or going to build. So you got like a contractor or [00:10:40] Speaker A: so right now I'm getting blueprints drawn up. [00:10:42] Speaker B: Okay. [00:10:43] Speaker A: Finally found somebody that actually get back with us and do that. [00:10:46] Speaker B: Okay. [00:10:47] Speaker A: So. Well, we're talking about it. It ain't done yet, so we'll see what happens. But that's the first step is getting them blueprints drawn. Of course we're doing all the other little things. We put it in driveway and stuff this year too. Okay, well, which, yeah, anyway, but, but [00:11:02] Speaker B: that being said, you know, the housing market is just ridiculous. Still is ridiculous. It is, it's, it's. It's hit a threshold to where it's kind of just stopped. But everything being so expensive, I've got, I've got some family members that they bought and you know, for what they bought it was like, I just can't fathom Spending that kind, you know, half a million dollars on a house that's not worth, you know, when the market was what it was. I understand the markets change and that's all good and well, but I mean, the house is. Same house would have been $260,000, you know, and then your interest on top of that's 6.2 or 6.3%. That's ridiculous. That's a thousand. You know, from what the interest, what I pay now and then what the interest is Today, that's like 11 to $1200 just in interest alone. A month in payments. That is crazy. [00:12:07] Speaker A: They've made it just about, you know, unaffordable for anybody. Think about, think about our kids. How are they going to afford anything, you know, when it, when it gets there? [00:12:16] Speaker B: I mean, that's why renting right now is kind of popular. I mean, it's a, there's a, there's [00:12:20] Speaker A: a, it's still high as heck, you [00:12:22] Speaker B: know, it's high, it's high, but you got to think, I mean, would you pay eighteen hundred dollars a month for a, for a twelve hundred square foot home or would you pay for a twelve hundred square foot home, you know, $3,500 a month? Yeah, yeah, exactly. I mean, it's not even. [00:12:38] Speaker A: I mean, ours will be $400,000 when we build it. I mean, it will be, right? [00:12:41] Speaker B: Oh, yeah, I'm sure it will. I guarantee it will be. If you're building anything over 15. 1500-2000 square foot. [00:12:49] Speaker A: Yep. Yeah, it's gonna, it's gonna be high. I tell you what, I've got a, I know a guy who, he's in the military. He's about to get out, but he was stationed in San Diego. I talked to him this weekend. He told me that him and his wife bought a house. The house that we're living in out there was $300,000 when they bought it. I think 250 or $300,000 when they bought it. I don't know how many, I don't know how many years ago this was. They sold it when they moved and I don't know when they moved either, but they turned around, they bought it for that 250 or 300, sold it for like 750 to 800 and looked at it again. Now they live in Tennessee. They've been to other places too, but now it's listed for over a million 1.1. [00:13:33] Speaker B: That's great. [00:13:33] Speaker A: And it was like, he said it was like a 1600 square foot house. Yeah, like, nothing. [00:13:37] Speaker B: Well, I mean, I don't have. [00:13:38] Speaker A: But it is in California, too. [00:13:39] Speaker B: I don't have that kind of spectrum. But I mean, my. The property value that I pay on my home is. Is double of what I gave for my house. [00:13:47] Speaker A: Oh, yeah. [00:13:48] Speaker B: I mean, it's doubled what I gave for my house. [00:13:50] Speaker A: I had a letter in the mail the other day. You know, people try to buy your stuff all the time. I get texts all the time, too, about it especially. It's vacant. You know, you want to sell it. Vacant land. It's just constantly. [00:14:02] Speaker B: Got a piece of property. It's like that, too. [00:14:03] Speaker A: Yeah, you just constantly get messages with that. But we got a letter in the mail the other day, offered to buy our house for $249,000, as is right now. That's over a hundred thousand dollars more than it was worth when I bought it. And they don't even care what kind of shape it's. [00:14:17] Speaker B: Yeah. Don't matter there. No side unseen. [00:14:19] Speaker A: I was just about homeless. [00:14:20] Speaker B: Yeah, I was. [00:14:23] Speaker A: I almost just sold it right out from under all of us. [00:14:27] Speaker B: It's close. Look, guys, you got. You got a week to get out. I've done sold this place. [00:14:31] Speaker A: I did that one time with our cable bill. I went outside at work and I called and I said, why y' all trying to go up on this cable? I said, you know, last time, they said. They said, well, you're already in some kind of a promotion deal. I was like, yeah, y' all did that last year when I called and started fussing at you over this. You're trying to go up on it, you know, again, I ain't getting nothing extra, and it sucks. It's slow, you know what The Internet, you know, carrying on. I said, just forget it. Cancel it. I almost hung up. Cancel my health insurance, too. I was real close to doing. I told me. I was like. We just bowed out. I was just gonna get them all while I was at it. But, yeah. Oh, it's ridiculous, man. [00:15:09] Speaker B: That's one thing that I can say. We have not since I've been married in 2012. Since 2012, I. We haven't never had cable or telephone other than cell phone. I mean, we've not had any sort of. Nothing like that. Yeah, Internet just now got Internet. Yeah, Yeah. I mean, we just now got Internet. [00:15:30] Speaker A: We haven't had a. We haven't had actual cable, and probably eight. Eight years now, maybe. Maybe longer than that. I canceled it, and we just started streaming. [00:15:43] Speaker B: You know, I mean, it's this day and time if, if you're not running on a budget, I don't know if you got. I don't know how you guys operate, but I mean we operate like off of somewhat of a budget envelope system, man. [00:15:53] Speaker A: Dave Ramsey. That's what we do. [00:15:54] Speaker B: Envelope system is an amazing way. [00:15:56] Speaker A: That's what we. [00:15:57] Speaker B: Absolutely. So budgeting is the only way to make it nowadays. I mean if you're, you know, if you're set on a dollar amount that you roughly make monthly, you know, it's the only way you can put back money too. I mean there's, you know, there, I know there's times that stuff happens. You got to have it, but, but I mean you got to be on a budget nowadays. There's just no way around it. [00:16:20] Speaker A: Yeah, it's insane. It's crazy. And these people that get these credit cards and just stack them up, dude, I don't know how they do it. [00:16:26] Speaker B: I know. [00:16:27] Speaker A: I don't know how I know at all. [00:16:28] Speaker B: Yeah. [00:16:29] Speaker A: Now with that being said, you know, we're gonna go on a cruise that we looked up now. Cheap four day cruise. [00:16:36] Speaker B: Yeah. [00:16:37] Speaker A: Oldest ship carnival's got like. Right. [00:16:39] Speaker B: So you're talking. [00:16:40] Speaker A: I'm not spending $8,000. I'm spending like 1200 or 800 bucks. That's just me and her. Okay. But yeah, like 1200 or something like that. So it's not, it's really not that bad considering. [00:16:52] Speaker B: Oh well, you get food and stay and everything. [00:16:55] Speaker A: Yeah. But anyway, we're getting ready to do that and go on that. But my credit card points right now alone, which we. I try to spend just about everything I can on my credit card and I just pay it off in a month and don't ever pay no interest on it. Heck, it'd pay for that cruise no problem with what I got. And I just cashed it in. I don't know how many years ago [00:17:16] Speaker B: on our trip to Mexico, we generally with our points that we accrue throughout the year, we've only got two credit cards, but we've got two that have really good rewards. And we can usually get Christmas, all of our Christmas paid for and if not all, partial of our vacation. [00:17:39] Speaker A: So you gotta be smart like that in today's world. So that's the whole reason I bought that credit card is I was getting ready to buy a building that I was, you know, I'm gonna build, put a building up and then move into it and then sell my house. [00:17:49] Speaker B: Oh, okay. Yeah, that. [00:17:51] Speaker A: We got that a long time ago when we were going to put we were going to start building and buy that building. We were actually going to put the material for it because we were going to build a building at that time. Now I think I'm just going to buy one of them prefab ones. Yeah, yeah. [00:18:04] Speaker B: Just like got to. [00:18:06] Speaker A: Got to. Because it's just such a good deal. I ain't got to put it up anyway. So we're probably going to end up doing that. But I was going to buy. I was going to build and just build my own garage. And I. I got like a. We got the credit card because of that, so we can get money back, get something back rather than nothing. And so I think I had 4%. Well, I figured at that time, at that it was pre. Covered. But at that time I could have spent and. And got everything I needed with all the material, less than $5,000, and then just built it myself. Like we have all of our barns and stuff, but that was the plan. And we got that credit card then. Didn't. Didn't build or didn't. Didn't do the building right then in the garage. So at that time, we had set our limit to that credit card at $5,000. [00:18:56] Speaker B: Yeah, yeah. [00:18:57] Speaker A: That's what our limit was. Guess what it is now. [00:18:59] Speaker B: It's probably 25. [00:19:00] Speaker A: 25. And we ain't done. We ain't asked for it. We don't want it. [00:19:04] Speaker B: Oh, yeah, they want you. [00:19:05] Speaker A: We won't let it. [00:19:05] Speaker B: But you'd realize, like that's the. That's the American way right now. It's credit card, credit card, credit card, credit card. Stack it, stack it, stack it. I mean, it's just the way it is. And people, they pay that minimum. People don't. They don't think. They grasp it. If you pay even $5,000, your minimum payment. If you pay the minimum payment of whatever it is. I don't know the figure, but if you pay, you pay. You pay $97 a month. That ain't paying nothing. That is paying nothing to your principal. [00:19:37] Speaker A: Yeah, you're. Well, you're paying 30% interest, you know, 29, 33. [00:19:42] Speaker B: Yeah. Percent interest. And people do that on card, on card, on card, on card. Yeah, I know, I know a guy and I know some, Some family members. Like that's there, you know, I've got a friend that. He stacks that Jim and jokers and I mean, just a moment. Just the moment that thing gets 40 bucks rolled off of it, he's right back on top of it getting, getting whatever I can get to that right to that. [00:20:09] Speaker A: So they're like limiting the line. [00:20:12] Speaker B: They're all maxed. They're all maxed. [00:20:15] Speaker A: I couldn't imagine. Oh, I couldn't imagine. [00:20:17] Speaker B: There was like just thinking, no joke. I've. I, you know, he said some stuff and I'm like it makes me claustrophobic. Like I mean, I don't know. No part of it. [00:20:28] Speaker A: Last month we had like $6,000 on it. And I was like, are you kidding me? You know, to her of course we had like a. Like 2 or 3. I can't remember what we bought that was so high. One of them was a doctor bill was over $5,000 we put on it. I think it was no 3, $500. But anyway it went way high. I'm like, right. I ain't gonna have bought the piss in, you know. Oh my gosh. But yeah, that's nuts. What else is skyrocketed. [00:20:59] Speaker B: Oh yeah. Automobiles are ridiculously expensive right now. So expensive. [00:21:05] Speaker A: Whoever thought a Chevrolet 1500 cost $90,000? [00:21:08] Speaker B: Yeah, I know. [00:21:08] Speaker A: Are you kidding me? [00:21:09] Speaker B: I know. Yeah. Or F.150. [00:21:12] Speaker A: 50. [00:21:12] Speaker B: 150 is the same way. [00:21:14] Speaker A: Yeah. [00:21:15] Speaker B: Anything. I mean it's just crazy. [00:21:17] Speaker A: So I. When I bought my. [00:21:19] Speaker B: I've still got my. I've still got my old truck that I've had since 2011. [00:21:23] Speaker A: Yeah. [00:21:24] Speaker B: And I'd love to have a new model truck but I ain't paying used 40 grand for a 160,000 mile truck that mine does exact same thing and it does, it just does it slower. [00:21:35] Speaker A: You would if you didn't have a crew cab. [00:21:38] Speaker B: Yeah, probably. Well, I don't know if I would or not. I've even thought about it. What would you do like your truck? If I had an extended cab I probably wouldn't even think that much about it. [00:21:48] Speaker A: It's awful. It's terrible. [00:21:50] Speaker B: I ain't sitting back there, Terry. [00:21:51] Speaker A: Terrible. But yeah, but you. [00:21:53] Speaker B: I drive my truck. I drive my truck once. Once and once or twice a month. [00:22:00] Speaker A: But see, if you all were going on a trip with it with the whole family, that would probably lock inside it like I do. [00:22:04] Speaker B: Yeah, yeah, yeah. [00:22:05] Speaker A: Well yeah. When I bought mine, I mean I was looking at. Cuz I almost just said forget it cuz I couldn't. I looked so long man years to try to find what I wanted and you know that was within reason on. [00:22:17] Speaker B: We got a nice truck. You got a really nice truck. Both of them. [00:22:20] Speaker A: The. So that truck. If I'd have went out and bought a brand new one, it'd been $110,000. [00:22:26] Speaker B: Absolutely. It would have. And the problem is what. What you've done to yours now the, the aftermarket things that has been done to it would. Had to been done to your new one. [00:22:36] Speaker A: The way I bought it. Yeah, the way you bought it. [00:22:39] Speaker B: The way you. The way you bought it. [00:22:40] Speaker A: Eventually one day it probably would have been. Yeah. My phone. I just bought a Dodge 3500. A big service bed on it. Like newer, older or like a 18, I think so fairly new. Yeah, maybe it's older than that, but I think it. I think it's an 18 anyway. But he bought it and you know, and it's got 100 something thousand miles on it, but it's still bone stock. Still got deaf on and everything. [00:23:08] Speaker B: Well, that's. [00:23:08] Speaker A: So you can't. Some of them are there still. [00:23:11] Speaker B: Yeah, but. [00:23:12] Speaker A: Yeah, most of them are not. Yep. [00:23:14] Speaker B: But yeah, that's. [00:23:15] Speaker A: I mean it was crazy. [00:23:16] Speaker B: I mean, and even to work on like a truck like yours or mine now is ridiculously expensive. Anything to do on it. I was. I was looking at like a. I was looking at a 6, 7. Like I was watching a video. I wasn't looking at. I was watching a video. And they were talking about like when the fuel cess. The pumps grenade themselves and go through the engine. Like if it doesn't screw the engine up $10,000. It's 10 to 12,000 bucks just for the fuel system. That blows my mind. Yeah, that's crazy. [00:23:48] Speaker A: Mine has a disaster kit on it. [00:23:49] Speaker B: Yeah, right. I remember you telling me about that. But. [00:23:52] Speaker A: But I also put fuel additive in every tank too. [00:23:55] Speaker B: Yeah, right. [00:23:56] Speaker A: So I don't help. Yeah, lubricates it. Those. So those pumps are like some kind of European design pump. [00:24:01] Speaker B: Where the, where the P4s. [00:24:03] Speaker A: Yeah, yeah, yeah. Where the, where the fours. Where the. Where the diesel over there has got way more lubricant in it than ours does. [00:24:08] Speaker B: Yeah. So. So any tank that I ever run diesel, even in my car, my truck, it gets. I get two quarts of transmission fluid and it goes in it. That's what I use. I don't know. Don't know that that helps, but I know it's absolutely helps. I don't know that it helps just like an additive does, but that's what [00:24:26] Speaker A: I use as it's lubricant. That's all you're needing. You mean you need lubricant? So. [00:24:31] Speaker B: Yeah, I do. Whatever. My car gets one and my F250 gets two. [00:24:36] Speaker A: So how many, how many gallons fuel [00:24:38] Speaker B: does your truck hold 25. [00:24:42] Speaker A: So that's not a big tank. The. That's the way my. That's the way my 2000 model is. It only holds like 21 or something. [00:24:49] Speaker B: It might be. Might be. I think it's 25 or 27. [00:24:52] Speaker A: That dually. I got 50. It's insane. Yeah, it's insane to fill up. [00:24:58] Speaker B: You don't want to let it get past a quarter tank. [00:25:00] Speaker A: Half tank. Yeah, I try to fill it up about half a tank that way if I got to use it. I've filled it up a couple times from. But yeah, it costs right at 200. [00:25:07] Speaker B: Fill it up. [00:25:08] Speaker A: It's real close. Like if you run. [00:25:10] Speaker B: I was. I was fussing about. Because if mine's bone dry, it's about 80, you know, roughly 70, 80 bucks, something like that. Probably 80 bucks now. So. [00:25:18] Speaker A: Yeah. [00:25:19] Speaker B: But anyways, it's just ridiculous. It's just different times for sure. That's for sure. [00:25:26] Speaker A: What else is skyrocketed out there? Oh, you could think of. I ain't bought anything in a long time. Like furniture. [00:25:32] Speaker B: I'm sure that's how you name it. Well, we went. We went and just got the cheap one. Our microwave went. Or is the. It was our microwave and our range. It had the vent and stuff in it. Gosh, I paid like $350 for it. And it was some. Wasn't even a name brand Kenmore or nothing. Like some knockoff Chinese something. Another. [00:25:55] Speaker A: What about plywood and stuff? That ever come. All that building stuff came down. [00:25:59] Speaker B: Yeah, that came down. [00:26:00] Speaker A: But the cost of building the house didn't. [00:26:02] Speaker B: No, no, no. Well, you're. Because your labor, I mean your labor's ridiculous. [00:26:08] Speaker A: You know, you're paying. [00:26:10] Speaker B: You're paying these dudes, you're paying these dudes. Now you're just your laborers that's sitting down there picking up the two by fours off the grounds, making 20 bucks an hour. [00:26:20] Speaker A: That's the guy at the grocery store that he didn't bag. [00:26:22] Speaker B: They didn't back. [00:26:23] Speaker A: Yeah, same guy. [00:26:24] Speaker B: Yeah, it's the same guy. [00:26:26] Speaker A: Same guy. [00:26:27] Speaker B: Yeah, he. But you know, my cousin, he told me, he said if you ever plan on doing anything, he said you can make it, you can work it, you know, to where, you know, you can usually hire these people to get everything done. Really, you know, pretty. If you can't do it yourself, pretty reasonable. But once it gets on the inside, you need to do it yourself because you're going to. Your money's blowing it on the inside. [00:26:52] Speaker A: You know, ain't nobody wants a Sheet rock, anything but not well or paint. Well, yeah, you know, ain't nobody wants to do that. I hire that out in a heartbeat. [00:26:59] Speaker B: Well, hell, you know, I guess if you got the money for it or, you know, you want to spend them if you have the funds for it. Absolutely. [00:27:07] Speaker A: Oh, it'd be awful having to do a whole lot. [00:27:09] Speaker B: My mom and dad got their house painted. No, they did it all. They did the doors. I mean, I have. There again, I thought it was ridiculous. It was nine grand to paint my mom and dad's house. [00:27:21] Speaker A: Outside or inside? [00:27:23] Speaker B: Inside. Trim doors. [00:27:24] Speaker A: That's so tedious though. [00:27:25] Speaker B: Oh, trim doors. Well, I mean, they literally taped it off and it's all one color. It wasn't like, it wasn't like trim was white and the walls was gray. I mean, it was, it was like nine grand. It was. I thought it was ridiculous. [00:27:40] Speaker A: I think my mom paid twenty something thousand dollars, have gutters put on her house. I think. [00:27:46] Speaker B: Wow. [00:27:46] Speaker A: I think, I believe, I believe so. It was something crazy like that, you [00:27:51] Speaker B: know, I don't know how, you know, even going back to the house thing, like, people are so lucky now if they don't have a house payment, if they have worked it to where the point to where they don't have a house payment. Because I mean, these people that are buying, when these people are buying $200,000 homes, they're paying. They're paying or not 200, you can't hardly buy one for 200. You're buying a nice home for 300,000 today. [00:28:21] Speaker A: You can't buy a mobile home. [00:28:23] Speaker B: I know, I know, I know, I know, I know. $300,000 home for, you know, 1200 square foot. A good example of the ones over next to me that they've built eight of now right on my road. They're $300,000 homes. 1200 square foot, three bed, two bath. 2600 dollars a month is what the estimated was. $2600 a month. You know how much I pay for my house payment? I don't know, like $880 a month is what my house payment is. And I own my house. Yeah. You know what I mean? Yeah. That's the difference between, that's the difference between your interest. But I know, I know I've had my house for a while. But I'm just saying, I'm just saying though, that is, I mean, that's normal nowadays. 2200, 27, 2800 is normal. And these people that I've got some, some of my neighbors are like, either they make an absolute killing at what they do or have done very well, or they're in debt to their eyeballs. [00:29:35] Speaker A: Probably the last option. [00:29:36] Speaker B: I would imagine it's the latter. But they've got brand new, like the four door Jeep truck, whatever it is, the $80,000 brand new. His wife's got a brand new. Oh, what is that thing? Cherokee Ale. Grand Cherokee Ale, the long extended model. Okay, so $70,000. So they probably got 150 GS in cars, in vehicles, and they just bought a house for $310,000. [00:30:10] Speaker A: Yeah, so, I mean, so you're talking, [00:30:11] Speaker B: you're talking, you're talking golly bum, you're [00:30:13] Speaker A: talking $3,500 in payments right there. Probably, yeah. [00:30:18] Speaker B: Or more. [00:30:18] Speaker A: Yeah. I mean those cars was probably. [00:30:20] Speaker B: I'd imagine those cars have to be, you know. Well, they're probably close to 15, 15, 15, 1800 dollars for the cars, so. [00:30:28] Speaker A: Or more. Well, yeah, he's paying more than that then. [00:30:31] Speaker B: So it's just ridiculous. And then that ain't, that ain't even, that ain't even your groceries, your light bill, your utilities, insurance. I mean, nothing. [00:30:41] Speaker A: Yeah, yeah, that's. And you know, the insurance payments on them brand new expensive vehicles are high. Absolutely. Yeah. [00:30:48] Speaker B: That Porsche I had, it blew my mind when I figured out what we was paying for it. My wife was like, you know, we got the car. And I was like, yeah, we got it. You know, know, that's great. You know, you gotta have full coverage on something like that. And paying $120 a month on insurance on one vehicle. I was paying that on my whole fleet. [00:31:08] Speaker A: I had at the time, yeah, $700 every six months, right, for one car. [00:31:15] Speaker B: Yeah, yeah, yeah. I'm paying. I'm literally like, all my vehicles are like a hundred. And all my vehicles, that's 1, 2, 3, 4, 5. And a motorcycle. It's like five vehicles. I'm paying like 130, 135amonth. [00:31:33] Speaker A: Yeah, ours is 110 right now. [00:31:35] Speaker B: And everything I got and that. And you know, I got my business vehicle on that plan too. So I mean, it's just. I was like, no, this thing's got to go. This thing is eating some money. Yeah, I loved it, but I mean, it was just time for it to go. [00:31:47] Speaker A: Yeah, yeah. You had your fun with it. [00:31:49] Speaker B: Yep. But just ridiculous. Well, we bought my wife at the newer Expedition and it was expensive. It's the most I've ever given for a car in my life. You know, I'm like, I ain't never went this far in death. The most thing I ever spent was on that Toyota Prius I bought up at the automotive shop. [00:32:09] Speaker A: And I thought that was that. Was that car new when you got it, the Expedition? [00:32:12] Speaker B: No, it was used. It was used. It was two years old. Yeah, it's two years old when you [00:32:17] Speaker A: have like 40 or 50,000 for it. [00:32:19] Speaker B: I think it's 36, 38, something like that. [00:32:26] Speaker A: I gave 44 for my dually. [00:32:27] Speaker B: Yeah. [00:32:28] Speaker A: And her car. Her car was like 55. Yeah, but that was back when those were. [00:32:33] Speaker B: Yeah, they're brand new. [00:32:34] Speaker A: You couldn't get your hands. [00:32:35] Speaker B: Yeah, you couldn't even touch one. [00:32:36] Speaker A: No, they passed that first year they were made. [00:32:38] Speaker B: They passed Toyota all over the place. I see every gray one. I think it's you. Every gray one, I'm like, that's. Boy, that's Bo now, some old granny. [00:32:46] Speaker A: While going down the road, since Tacoma had been made, that's the first vehicle to pass it and resale. They tried to get me to get a 2020 model. When we bought mine in 21, they were $5,000 less. $5,000 less for a year model older. I said, no, I think I'll get a brand new one. And they had like 30,000, 20,000 miles on them, you know, something like that. So we bought ours. That had eight. Yeah, you know. [00:33:06] Speaker B: Yeah, yeah. [00:33:07] Speaker A: Bought it when it had eight. Guess what it's got now. 21 model. [00:33:11] Speaker B: You probably got 78,098. [00:33:17] Speaker A: I'm almost on my third set of tires. [00:33:19] Speaker B: Wow. Dang. I guess my wife's is doing pretty good. [00:33:23] Speaker A: Yeah. [00:33:23] Speaker B: So now I've only. We've only had ours for. Mine had 50 on it when we bought it, so it had a little higher mileage than I was wanting to give. [00:33:30] Speaker A: But so considering what we both do for a living, automotive and parts is really what you. Your biggest deal is and mowers and stuff like that. I'm strictly automotive, you know, on the maintenance side of it. Let's not sweep that under the rug. That is astronomical. So I do so many estimates for our guys, which, you know, I don't do that all the time. I just run the store. But I got a guy that does that. But when he's not there, I'm doing it like today and tomorrow I gotta do it, but, like, I'll price a job, you know, Used to. We priced our own jobs back in the day and used to wear like a ball joint job on like a F250. [00:34:08] Speaker B: That was okay. That used to be when I worked up there. Go ahead. That was about. Well, that. No, that's when I was working up there. So I don't know what it would be now. But that was about a. That was about a. Now. What are you talking about? [00:34:21] Speaker A: Like on an F250, like a solid front axle Ford truck like yours, what that used to cost. I've done so many of them. [00:34:26] Speaker B: Eleven hundred bucks. [00:34:27] Speaker A: That's about. Yeah, anywhere between a thousand, twelve hundred dollars, give or take the alignment, you know, I can't remember, really. You never believe what that costs now. [00:34:38] Speaker B: Well, I do know, because I got a job off of. Wasn't y'. All. I think it was. It may have been a. Another tire shop up the road, but I got a job. A guy at my church, he wanted me. He wanted me to quote him the price, and I quoted him. I quoted him. It was still like 1200 bucks. [00:34:56] Speaker A: Oh, yeah. [00:34:56] Speaker B: It was still $1200 is what I charged him. But they was going to charge him now. I don't know. I can't. I don't. I don't. I'm not going to say where it was at, but it was like $2,700. [00:35:06] Speaker A: Well, that's insane. [00:35:07] Speaker B: It ain't hurt or 23. It was 23 or 27. It was somewhere in that ballpark. [00:35:10] Speaker A: Now you're getting closer. [00:35:11] Speaker B: It blew my mind when he told me. I said, I can do it for like a grand. Maybe it was. Maybe it was 2,300 because I said, I can save you like a grand. And I said, I. He said, if you can save me a grand. And I was like, I'll make a killing off of this thing. And I wound up charging him. I wound up charging him $1,000 because I got all my parts from my store and I got him. I didn't give him. You know, he didn't get cost, but he still got. I gave him a good deal. They were charging. It was a lot for the ball joints that they were charging. I don't know what they used, what they were planning on using, but I think it was laced in gold, I believe. [00:35:44] Speaker A: Well, it's. It's insane, dude. [00:35:45] Speaker B: And I know you have to. [00:35:46] Speaker A: I know. [00:35:47] Speaker B: I know a business like that has to. [00:35:49] Speaker A: You have to make money or it ain't worth doing. It's just not. [00:35:51] Speaker B: You have to. And some of the guys that. [00:35:54] Speaker A: And we. And we don't get breaks too. You know what I mean? The brakes suck that you get. You know, I can. I can look up something. I mean, certain Things you do and, but something, you know, everybody thinks, well, you're getting it cheap. No, no, that's not the case. You, you think because you gotta make money, I gotta make money, you know what I'm saying? Or else it ain't worth neither one of us doing anything. We might as well go to the house. So. But those prices. Insane. Insane. Used to you could put an axle in a car for like 400 something dollars. You know, get somebody out the door, tax, labor part, everything. Now it's 7, $800, 900 bucks or whatever. It just depends on the car, you know. [00:36:32] Speaker B: But well that's. [00:36:34] Speaker A: And tires. Tires, I mean tires really didn't jump up that much after Covid or either that or I'm just gotten used to it. But I mean it's just tires. [00:36:45] Speaker B: They're expensive. [00:36:46] Speaker A: They've always been high though. I mean there's never been a time somebody ever. [00:36:48] Speaker B: I don't think they've been up near like fort Pull parts and labor has no, I mean if you're paying your guy, you're paying your guy a lot of money an hour. I don't know how much they make an hour now. But I'm just saying, I mean you've got to be, you've got to be putting, you know, labor costs. Now. I know what I pay what mowers are, you know, what I charge for mowers and I do charge a premium, but I mean, I'm the highest guy around. I ain't gonna lie. But I stay slam busy. [00:37:12] Speaker A: You don't want to be the cheapest guy around. [00:37:14] Speaker B: I'm not. I'm not. [00:37:15] Speaker A: You can't take the cheap. [00:37:16] Speaker B: I don't know that I think I am the most expensive around my area or close to it. Except maybe the people up, up north of me a little bit in Maryville. But, but I mean, I'm not the cheapest. By no means. There's plenty other little dudes down the road that'll do it for, for $40 an hour and that is not me at all. [00:37:36] Speaker A: You know, in order for you to pay your technicians a honest amount of money that they can live off of, in order for you to be able to take care of your customers, to provide a warranty that you can help them with. Right? [00:37:54] Speaker B: That's what I do today. [00:37:55] Speaker A: I mean, let's not talk about the overhead for everything else and covering cost and just, I mean, just rule that out. You've got to charge so much. So it's, you know, it's, it's, it's unreal. And if you don't do it, you know, I've learned. I've learned that getting turned down is not a bad thing. [00:38:14] Speaker B: No, it's not. Absolutely. [00:38:15] Speaker A: If you can't make it worth your time, it's not worth doing. [00:38:17] Speaker B: It's just not. It's not. I agree with that. And I. And since I'm the one back there turning the dollar, turning the wrenches and turning it, making it happen, I. I mean, I'm. I'm over here. I'm like, I'm about ready to go back up again, you know? [00:38:32] Speaker A: Yeah, but. [00:38:32] Speaker B: But see, I. I'm. This is where I'm different than most people, you know, where. Where you'll take it to Joe down the road. It's 40 bucks an hour, and he works on this thing for three hours. And I'm not tooting my own horn here, but Joe, I mean, that customer could have brought it to me and not took it to Joe. And I can knock that thing out in 45 minutes and I'll truly charge you an hour's worth of labor, you know, so where Joe's going to charge you two or three hours worth of work because he doesn't really know exactly what he's doing. You know, it helps when you have done it for so long and you have a good. A little bit of knowledge on how to do things and be able to diagnose things quickly. And that's another thing that me and my cousin was kind of arguing about. He says, it's not fair. Labor rate's not fair. I said, it is absolutely fair. I said, I do that. I've done this stuff for 20 years. And I said, just because I'm good at it, if I do that ball joint job that I done, and I don't care to say I done that ball joint job in like two hours. Took me two hours. [00:39:29] Speaker A: It called for six or something, and [00:39:31] Speaker B: it called for something like that. If I can do that job and I have the tools to do that job and some Joe Blow, he has to. It takes him a half a day. Yeah, that's my benefit. That's the way I look at it. But other people don't look at it that way. You know, I'm like, if you were in it, like I was in it and you're in it still to this day, then take it somewhere else and do it. I mean, I'm not going to do it for less. I mean, it's just not going to happen. I made decent money off of it. [00:39:58] Speaker A: I'LL tell you right now. Here's what I tell people. You know, they'll say, say a job called for hour and a half. You know, you got it done in an hour, okay, it's back to them. They can get on the road, then get on with their lives. Time is money, blah, blah, blah, blah, blah. [00:40:14] Speaker B: People don't look at it and they'll [00:40:15] Speaker A: go, why are you charging me an hour and a half? That thing was only back here an hour. I said, okay, well, if I would have left it back here for two hours. You want me to charge you for two after I told you it's gonna be an hour and a half? [00:40:25] Speaker B: That's good. I like that. [00:40:26] Speaker A: Well, how about that? You know. No, we can't do that. You would lose. It has to be fair. I mean, there's a national labor guide that you go off of that is fair to both parties. Here's how long it should take. If you can get it done quicker than that, you're the beneficiary. If it takes you longer than that, they're the beneficiary. You can't have it both ways. [00:40:50] Speaker B: I like it. [00:40:51] Speaker A: You can't have it both ways because you set it another way. You're not going to come in and get anything done. You set it, you know, down the other way. You're not going to get anybody to do it for you, you know, so it's. It has to be a happy medium. [00:41:03] Speaker B: I like that. I like that a lot. [00:41:05] Speaker A: Because I'll charge. I said. I've had people say that to me, you know. Well, it only took you this long. How you charge me this much. I said, because that's what it calls for. We go by book hours here, book time, and that's what it calls for, you know? Yeah, but you didn't work on it that long. Well, if I would have worked on it longer, would have been fair for me to charge you more. No, you'll win some, you lose some. [00:41:23] Speaker B: Yeah. [00:41:23] Speaker A: You know, what if I break a bolt on that job right there and I could have got it done quick, but instead it takes me two days and I got to run all over the country finding broken bolt for you. Yeah. And. And, you know, use got to eat that. [00:41:35] Speaker B: Absolutely. [00:41:36] Speaker A: Yeah. And it ties up your rat. You can't get nothing else. I mean, come on, man. Yeah. You know, and I'll go ahead and tell you something else. Those people that say that are people who's never tried to do it, because just like I said, with that drywall, the moment I hang that drywall, I'll gladly pay somebody way overpriced to do it for me, you know. And the moment somebody else tries to put them all joints in, I guarantee you when that thing's tore all the pieces and they gotta pay a mobile mechanic come out and visit because they can't drive it, they've tore it up some bad. Yeah, yeah, they're gonna, they're. They, they would have paid double. [00:42:06] Speaker B: Yeah, I was, I was out, I was out helping, helping that, you know, my cousin and, and same one that said that, you know, and I mean, we were, I mean, I was just bam, bam, bam, bam, helping him mechanically do something. And, and I mean, I was just rocking it out and had, you know, you know how you just do stuff that you've learned throughout the year. They're like, oh my goodness, I didn't know you could do it like that. Yeah. And it just blows their mind, you know. And you're done within seconds. You're done with him. What, what, what they thought was going to be two, three hour job. You're done in 25 minutes, you know, and, and they're like, man. And I told him, I said, told him. Then I said that right there is the reason. I said, how long would that have took you? You know, he was like, well, it probably took me two, three hours. I said, and then you would have paid somebody two or three hours to do that. If you couldn't have done it or I couldn't have done it, you would have paid or you would have sit there and worked there. But I said, I'm. You are. You're the same way. You're that good, I'm that good that you can do that sort of stuff like that. We've done it for 20 years. [00:43:10] Speaker A: Yeah. [00:43:11] Speaker B: You know, so I was like, yeah, we make it look easy, but you go trying to do it. You know, we've got all the tools, we got all the stuff, we got the knowledge. That's why you make decent money at doing that sort of stuff. [00:43:22] Speaker A: If you get good at it, it's skilled labor. [00:43:24] Speaker B: It is, it's skilled. [00:43:25] Speaker A: Yeah. [00:43:26] Speaker B: It doesn't matter. It's the same thing with building houses or somebody doing a remodel job for you. [00:43:32] Speaker A: Plumbing, electrical. [00:43:36] Speaker B: If they go underneath your house and change a pressure regulator out underneath your house and they're up under there 15 minutes and you got your water back onto your house and they've charged you, you know, the regulator cost $40 at the shelf at the hardware store and they have charged you 450 bucks and they're out of there. You gonna pay it? Absolutely, you're gonna pay it. And you know good and well me and you can climb up underneath that house, spend about two or three hours and we can get it done. But is that what we want to do? [00:44:13] Speaker A: But see, that's the difference. That's the difference in us because we, we understand. [00:44:18] Speaker B: Yeah. [00:44:19] Speaker A: You know, what. What doing something means. And it entails. Because we do it all day, you know, every. Every day. We've always done it. And so we appreciate when someone has the skill and knowledge to quickly make it a good thing for them. And I mean, we're happy to pay [00:44:37] Speaker B: them people well, and it's just like [00:44:38] Speaker A: you said, because they deserve it. [00:44:40] Speaker B: Yeah, absolutely. Time is money. And if your time. My time is very valuable. It's like I've told customers before, like, like, if I have to come out there and I have to do this, I mean, it's going to cost you some money. If I have to leave my store, if I have to drive my vehicle, if I have to take my. Gather my tools, then I have to drive back to my store. And you better hope I don't have to do it twice because it's really going to get expensive then over something that, you know, I don't mind doing it. But, you know, you have to, You've got to have a I'm good price. I mean, you just have to. Yeah, you know, you got to have I'm good price. And that's why, that's why we stay so busy and you guys stay busy. You just have a. You've got a price. And it's just people pay it because they know it's going to be done right, you know, but anyways, it's just, you know, and that's another thing. It's going to be that if, if this younger generation don't start getting hands on and don't get out of these televisions and these phones and these. All this electronic junk, if they don't get their hands in a, in a, in a field like what we've done and be a little bit mechanical and a little bit hands on, they're gonna wind up paying a lot of money, a whole lot. [00:45:55] Speaker A: Because all them prices that we're talking about and fussing double are gonna be way more because there's gonna be so many, few people doing it. [00:46:02] Speaker B: And mom and dad's going to. And us parents with mom and dads, I mean, we'll help you do all we can do. But there's a point where, like, I ain't doing it. You're gonna pay somebody, come out there and do that or figure out how to do it yourself. Yeah, that's the way we. I mean, that's why I was. I mean, my dad done everything at home. He. I mean, he done plumbing, he done anything you can think of, he's done it, you know, and. And that's. Kind of feel like I'm the same way. I mean. [00:46:23] Speaker A: Yeah, and I am too. I'm fixing to put an induction fan on my heating unit. Yeah, that's going bad. I mean, I'm not calling. I'm not getting somebody to do that for me. [00:46:32] Speaker B: You know, I fix my heat and air twice this year like that. [00:46:37] Speaker A: Yeah, I do it every year. [00:46:38] Speaker B: Capacitor, or whether it's a capacitor or whether it was the. The condenser fan went out, so. Yeah, but they're gonna have to definitely get hands on and get, you know, because that, That's a. That's a dying. All of it. Mechanical, electrical, plumbing. [00:46:56] Speaker A: It's like they're banking on it to go away. [00:46:58] Speaker B: Yeah, it ain't going nowhere. AI ain't going to take over that. I mean, they, they ain't gonna have robots out here in, in five or 10 years. It's going to be wiring your house for you. No, that ain't gonna happen. [00:47:10] Speaker A: No, that part's not gonna happen, that's for sure. Oh, my gosh. Yeah. Yeah. Everything just went through the roofs or unaffordable. [00:47:20] Speaker B: Yeah, it is unaffordable. [00:47:21] Speaker A: Yeah. [00:47:22] Speaker B: I mean, you've got to. You've got to have a good job nowadays and make. Make good money for, you know, and budget to even make it this day and time. [00:47:30] Speaker A: Yeah, well, like Megan, she's wanting to keep our house and not sell it, you know, But I've got. See, I refinance my house to pay for my farm. So on the farm out right now, I just gotta, you know, I've got this mortgage still going on. Right. So I. She wants to keep it. She wants to keep it and use it, you know, as a. As a secondary source of income, you know, and just rent it. Right. Which makes great sense. Perfect sense in a perfect world, which we obviously live in an imperfect world. And I don't want to. $3,500 to $4,000 a month house payment. So I want to sell it and I don't want the headache. You're right. That's another thing. But I want to sell it, take the money and run and put it on this so my payment's lower. [00:48:12] Speaker B: Well, right. [00:48:13] Speaker A: I don't want to do it without that because I don't want to commit to having to do something like that. [00:48:16] Speaker B: Well, that's like I told Alex. I told her. I was like. I was like, you know, I said if we strategized and done this right, like, if we played our cards right, we could have, you know, I think with the equity of my home, I could take the equity of my home, what I owe versus the equity on it. I believe I could almost build a house pretty close debt free. [00:48:40] Speaker A: Yeah. [00:48:41] Speaker B: And whether I could or not, I don't know. I'd have to do majority of that, some of that work myself and have it, you know, contracted out. But. And part of me is in the back of my mind, just like what your wife's saying, like, well, I could keep this house right here and I could make a. I could make probably fifteen hundred dollars a month off of it. But do I want a fifteen hundred dollars a month? And then. Then my H Vac goes out, and then the. The appliances that you've had in the kitchen, if you don't. If you don't take them out, they go out. [00:49:10] Speaker A: Gutters fall off of it. [00:49:12] Speaker B: Yeah. [00:49:12] Speaker A: Roof needs to be replaced. [00:49:13] Speaker B: Exactly, Exactly. [00:49:15] Speaker A: I'd rather be away from it free and clear. Don't have to think about it. [00:49:18] Speaker B: Well, and then if you're out of. [00:49:20] Speaker A: Let's focus on this house. [00:49:21] Speaker B: Yeah. If you focus on that house, pull the Dave Ramsey up, pay that thing off as quick as you can, which [00:49:26] Speaker A: is slow when it's that high. [00:49:28] Speaker B: Well, yeah, it could be. Absolutely. Yeah. But. [00:49:31] Speaker A: But you know, we ain't got the kind of money Dave's got. [00:49:34] Speaker B: No, no, no. Dave. Dave's not. Dave has made it. Well, but Dave's made it off of a lot of the things, too. He's totally against your credit card you're talking about, by the way. [00:49:44] Speaker A: Oh, I know. [00:49:44] Speaker B: I mean, 100% he's against. He don't. Don't you ever, ever owe on anything except your house. That's it. [00:49:52] Speaker A: Yeah. [00:49:52] Speaker B: Vehicles and buy Toyota. That's what I've learned from Dave. [00:49:56] Speaker A: Yeah. Well. And. And all. There ain't nothing wrong with that. All that could be true. [00:50:00] Speaker B: Absolutely. My. One of my cousins, he has done very well in life, and that's. He is the Dave Ramsey man. He has followed him to a T. He's paid off two homes now through that. And he owns two Toyotas. Paid off. [00:50:16] Speaker A: Yeah. [00:50:16] Speaker B: Used Toyotas that He's. I mean, and that's great. [00:50:19] Speaker A: Yeah. [00:50:19] Speaker B: And. And I just, you know, I. You know, I. I'm not. I'm not there yet. Let's just say that. [00:50:27] Speaker A: No, I mean, I want to live life while I'm here on this earth, [00:50:30] Speaker B: you know, I do have a little bit of that, too. I do. I'm the same way. [00:50:33] Speaker A: Like, I, like Dave Ramsey, I guarantee you, is against buying a bass boat. Yeah. But, you know, who wants one? This guy. [00:50:42] Speaker B: Yeah, absolutely. [00:50:43] Speaker A: I want one back. [00:50:44] Speaker B: No, I. I guarantees against a bass boat. He's against. He's against my motorcycle. He's against your camper. He's against your bass boat. He's against the vehicles that we own that we owe on. I mean, but there, again, there is something to be said about living life, enjoying your family, that you have the memories. The memories that you've made in that camper. Yeah. You know what I mean? I mean, the traveling. I mean, golly bum, you can't take. You can't take that stuff away from you. I mean, you can't. It doesn't matter. [00:51:16] Speaker A: No. No, you can't. You lose everything you got today. [00:51:20] Speaker B: You've got tomorrow, you've got that. [00:51:22] Speaker A: You've got that. [00:51:23] Speaker B: Absolutely. Or you could have just sat at home and done absolutely nothing. [00:51:26] Speaker A: Yeah. And you got money that can't go with you when you go. [00:51:29] Speaker B: Absolutely. [00:51:30] Speaker A: Yeah. You know, I mean, so I'm not. I'm not like that when it comes to it. I mean, I'm all for it if you got it. Heck, spend it on something, whatever. But, you know, it's. It's high. That's what this one's about. It's just high. You gotta be smarter when you do it. [00:51:46] Speaker B: But I do think that you definitely enjoy life while you have it. If you've got a little money, enjoy your family, enjoy your fam, your time with your friends and family, and live your life while you can. Because we're not promised tomorrow. I mean, that's just it. And everything's so expensive. When you do collect a whole ton of money. It might cost a whole lot more money to do the things that you could have done 10 years ago while you was collecting that money. [00:52:15] Speaker A: You know, and another thing. I'll go ahead and say this. We can cut this session off, but I'll tell you, this other day, I heard this on podcast, and it made me think about it. Now, I'm not gonna sit here and bluff you and tell you that I've been doing this, but. Because I ain't started doing it yet. [00:52:33] Speaker B: Okay. [00:52:35] Speaker A: But, you know, it was. I was listening to a podcast and he said. He said, man, wouldn't that be you just. You die and you're floating away from your body and you're thinking, you know, about your life, you know, as you're floating away from it and you just go, dang, man, I was just on my phone the whole time. How bad does that sound? [00:52:57] Speaker B: Oh, I know. [00:52:57] Speaker A: Yeah. So put these freaking things down every now and then. [00:53:01] Speaker B: I told you. [00:53:02] Speaker A: I told you I got this. How bad would you. If you just. If you flip, you're like, alright, man, let me think. [00:53:08] Speaker B: Oh, I spent. [00:53:09] Speaker A: Let me think about my life. [00:53:10] Speaker B: You mean I spent 40% of my life on my cell phone? How is that possible? [00:53:16] Speaker A: I was just on my phone the [00:53:17] Speaker B: whole time and I slept. And I slept 37% of my life and 40% of it. I was on my phone. [00:53:24] Speaker A: Get out. [00:53:25] Speaker B: Do something. [00:53:26] Speaker A: Save your money. Work hard. Save your money so you can see the world. See different things that you can't see if you're just sitting at the house. [00:53:34] Speaker B: Absolutely. [00:53:34] Speaker A: You know, spend it on stuff like that, with the memories, you know, I said I wanted that bass boat. Why? So I can watch my boys catch fish? [00:53:43] Speaker B: Yep. [00:53:43] Speaker A: You know, Absolutely. [00:53:44] Speaker B: Yeah, I would 100% agree with that. [00:53:47] Speaker A: It's worth it. If it's worth it to you, it's worth it, period. You know what I mean? [00:53:52] Speaker B: It's always good to save money and do all the things in the day's times, but you need to make your memories. [00:53:56] Speaker A: Bag those freaking groceries so you can make some more money. [00:53:58] Speaker B: That's right. [00:53:59] Speaker A: Bag those freaking groceries. [00:54:00] Speaker B: Move up. You can move up in the rankings. [00:54:03] Speaker A: No, they're sitting there on these dang phones just like, you know, looking over there, you know, nobody's in my lane right now, you know, while that guy just worked, you know, 12 hours today, he's over bagging freaking eggs that he paid way too much. He could have bought a whole freaking herd of chickens. Golly. I don't want to get going on that. Not anymore. [00:54:23] Speaker B: All right, all right, we're out of here. Thank you guys for hanging in there with us. Check in with us next go round. We're going to be at it again, talking about who knows what. But again, I'm Matt Nambo. Check us out next time, guys. [00:54:40] Speaker A: Thank y'. [00:54:41] Speaker B: All.