February 2, 2024

What is the best amount for a starter emergency fund?

In this week's episode, Kristen, Dame, and Pete debate the best amount of money to set aside as a starter emergency fund.

Episode Transcript

Peter Dunn: [00:00:00] So there is no secret. I, I do live in Carmel, Indiana, which is often said to be a very obnoxious place. I don't know how to say it other than that. It's lovely. It's nice. There's nice things going on. The people are sometimes nice too. But every once in a while. There is something that, that one would deem very carmel.

I believe hey, Kristen bringing you to the show here, there did you ever watch Parks and Rec?

Kristen Ahlenius: Occasionally. I mean, I get the premise.

Peter Dunn: So is carmel said to be like Eagleton? Is that the, is that the thing?

Kristen Ahlenius: I, I'm not that well versed. I

Peter Dunn: think that's the case. Okay. All right. So I had the most carmel moment the other day, taking young Theodore to school.

Good morning, Andy, Jason, Rick swing, Dame over here in just a second. He's having technical difficulties because he lives in Swanee. Yeah, that was pretty good. So I'm going through the carpool lane. If you've ever taken your kid to school in a carpool lane, you know, it's an entire vibe, Kristen. I'm not sure you [00:01:00] understand that in your stage of life right now.


Kristen Ahlenius: my stage of life, I cannot appreciate the car rider line. No,

Peter Dunn: it is a, it is a, there are rules. There is passive aggressiveness. There is early morning anger. Hello, Rochelle. And so on a, whatever morning this week, I'm taking Theodore. There's two lanes. Okay. And then they got it. You get in the lanes and then you take turns merging into one point, but sometimes there's not enough cars to have to land.

So it's just one lane. It's a straight shot. You don't pull out in the left because that's considered uncouth. Okay. So the lane is just one lane. There's cars in front of me in the middle of the chute, if you will. Pretty big speed bump to slow you down from killing kids because you don't want to, you don't want to kill the kid.

So we're coming up, we're coming up, we pull in the space and all of a sudden before Ted and I know it, we are upon the cars that were way up in front of us. There is an issue at the speed bump. There is an issue at the speed bump. Dame we bring you into the [00:02:00] show. I'm just telling you the most carnal story ever.

Carpool lane there's an issue at the speed bump. I, I craned my neck to the side and noticed. That someone is driving a Ferrari or some damn, you know how I am with cars, some very exotic car with very low clearance. And they're going over the speed bump at a speed similar to how claymation is filmed.

And, and it is slowing. It's like messing up the entire carpool because someone decided to drive their exotic car to school and drive their kid to school. So anyway, that was the most carnal moment. They,

Damian Dunn: They needed a front axle lift and approach at an angle at that speed bump in order to traverse it

Peter Dunn: successfully.

I will be binging what you just said later to figure out what that means. Welcome, Dan. Good morning. Longtime listener, first time live stream guest. Oh, guess what, Dan? You're going to regret that decision. Dame, you and I have over the [00:03:00] years talked about. Strange and fortuitous celebrity encounters where you just find yourself in this just crazy situation.

A couple of mine are shooting craps with vanilla ice in Vegas and riding in an elevator with P. Diddy, Puff Daddy, Sean Combs. The accused, whatever. Dame, you, you have, I know you have a very significant one, right? Do I? I feel like you do. You want to remind me of that? I don't know. I feel like you do.

Well, I had another

Damian Dunn: one this week. Well, tell me about that. I'll, I'll try and figure mine out.

Peter Dunn: And the weird thing was this incredible celebrity encounter. Not only did I find myself with that individual. But dining with them at a dinner table in Carmel, Indiana. Go on. Media Darlene, Kristen Alanius and I had dinner this week in Carmel, Indiana.[00:04:00]


Damian Dunn: shut up. Did you get an autograph? The

Kristen Ahlenius: people were fawning.

Peter Dunn: Yeah it was pretty impressive to be able to, to break bread with Media Darlene. Kristen Leigh. Hello, Caitlin. Hello, Danza. Yeah, we had a good time. We had dinner. Anything weird happen during our dinner that's worth noting? Other than when you show up, I'm drinking a non alcoholic Heineken, which is a pretty cool move.

Kristen Ahlenius: Yeah, I definitely thought that you were like, Dry January's over. I pointed to the beer. I was like, Oh, mine! You were like, No,

Peter Dunn: no, no. I just didn't want to waste breaking the seal on a 5 p. m. dinner. You know what I mean?

Damian Dunn: Do they serve non alcoholic beer at McAllister's? Cause I'm assuming that's where you went.

Peter Dunn: That's a good, that's a good point. Dame, how you doing? How was your week?

Damian Dunn: It's been fast. It's gone really, really fast for whatever reason this week. But yeah, you'll have that.

Peter Dunn: That is not a shared experience for me this week. January, I want to say was. And I, I've done some research here. The longest month in [00:05:00] the history of the world, January of 2024.

It was so long.

Damian Dunn: Good news. Yeah. You can replicate that in February with the extra

Peter Dunn: day. Oh, I know. Kids today on the show, we've got a listener email. Hello, Chris. Happy groundhogs day. That's what that's, that's the life in a startup. A software company is the groundhog's day. We've got an email.

We're going to talk about doom spending, which is sort of like stress eating as far as I'm concerned. And then a starter emergency fund. Is that, am I capturing this correct, Kristen? Yes, you

Kristen Ahlenius: did. That's correct. This time. Yeah.

Peter Dunn: Well, don't worry. Dame, I'll still mess it up. We did receive various types of correspondence over the week of people running broker checks.

Kristen, you ran a few broker checks that we won't talk about. I did. Yeah.

Kristen Ahlenius: Just it just like speaks to my inner sleuth. I had a good time.

Peter Dunn: Yeah. Yeah. We found, we found some things. My. Indianapolis business [00:06:00] journal column. All that is a massive one on broker checks comes out at 2 PM today, Friday, the 2nd.

So I anticipate a An interesting next week or so little Spence 49 makes it and oh, man, hi, little Spence 49. Welcome. How, where do we arrive on the 49? He's not 49 years old. Cause then you'd have to change it all the time. And he wasn't born in 1949. Did we go with like a football number or 49ers fan or 49ers fan or there were 48 other little Spences.


You're ready to start the show. I suppose. Alright. Do, do, do, do, do. Okay, let's do a roll. Three, two. This week on the Pete the Planner Show, we answer your money questions. Here's how the show works. You email us at askpete at pete the [00:07:00] planner dot com. That's askpete at pete the planner dot com and here's what you may get.

Nothing. Silence. I may not reply to you or we will answer your email question on the air. Joining me as always is Kristen Alanius from your money line. Hello. Hello, Damian Dunn from your money line. No relation. Hello. Good day. And by no relation, I mean, not related to me. Not, not related to Kristen, but also not related to Kristen, sort of fun.

We got an email PeteThePlanter. com, which I'm going to share with my worded breath right now.

That seems like it's a thing, right? Sure. I don't know. I'm looking for it. Here it is. Hello, Pete and team. Ooh, Kristen, still my show. As a frequent listener of your show, I want to ask a question regarding, can I get a timeout already? Is it, is it, is it really a frequent listener [00:08:00] to the show? If they address it to me, like it would have gone to you.

Kristen Ahlenius: Yeah, because the running joke is to call it everything but the Pete the

Peter Dunn: Planner show. Patricia, and come on, get your life together. Anyway, I want to ask a question regarding investing and or designating a specific fund or utilizing 0 percent 12 months credit on personal appearance. I'm in. And by the way, I'm in, I mean, clearly I've not spent a dime on personal appearance.

Damn, I did buy some moisturizer though. Oh,

Damian Dunn: very, very important for men our

Peter Dunn: age. Is there a recommendation from you or your team? For instance, I feel it is important that I set a budget and annual allowance for clothing and shoes. However, what about grooming and maintenance, like changing the oral? I was can I get another time out?

Yeah, I was presenting to a race team like an IndyCar team yesterday. [00:09:00] And I was talking about, Hey, you're my line. We can help you with things that maybe you don't know. I was like, you know, for instance, I've never changed the oil on my car personally. And, and the room went unimpressed. The room went skeptical real fast.

You've got like 70 high end. And Highest in mechanics you can find and I'm like, I didn't change my oil. Like I lost all street cred. Could

Damian Dunn: we potentially set up a challenge to have you change a tire on an Indy car and, and maybe a time it could benchmark it.

Peter Dunn: I've changed a tire on a NASCAR. Have you? Yeah.

That seems off brand. Now it was incredibly off brand. My head. Did

Damian Dunn: you hit all the lug nuts with the

Peter Dunn: is there any value associated or is it worth it to make a financial [00:10:00] considerations or utilize tools for personal appearance, such as. Botox, veneers, laser corrective surgery, or non insurance covering cosmetic treatments. I am a 52 year old. I'm part of a market development sales team at a traditional corporate America environment.

Currently I have a middle class standard of living 401k emergency funds, mortgage, and no outstanding debt other than a mortgage. If I have extra money after paying all my bills and my retirement and vacation savings, I either spend it on my small luxuries, such as a concert or a sporting event ticket, one or two nights out on the town with friends.

Usually the extra money is between 200 to 500. Please advise. What do you, what do you think about this?

Damian Dunn: I I was given some really, really good advice from media darling, Kristen Alanius. Oh, once upon a time. Oh no. That I was not to question. Any money that was spent on the facial [00:11:00] products for, for the, the, the women in my life anything, just keep my mouth shut, nod and move on.

I Pete, do you have a similar approach in your life?

Peter Dunn: I was never given this advice, Dane. However, how has that worked out for you? Well, I, I've never been given the advice. However, I still agree with the advice. Like Kristen, I'm going to let you go. How about it? Oh, can I say one thing? Of course. Well, I don't know.

Well now it is thanks to the emailer years ago. When I was doing a lot of TV, a lot of TV, I'm trying to protect identities here. So I was talking to a, a person in the news business who frequently appeared on television. And this person, I mean, at the time was certainly older than Damon. I are now certainly older than Chris.

And the person said to me that everything changed with HD with high [00:12:00] definition television in that line of work. And that. You know, the average person didn't understand how it actually felt cruel to put a person of a certain age in high definition on a television. And I never really consider that. I don't really think about cosmetic stuff like that a lot.

But that was, that was eye opening to me because it was like, yeah, you know, I never really thought about that way. And then genders certainly involved. I try not to weigh in on things I don't particularly understand that way. So. Kristen, with that not helpful piece of context, do you think someone should take out a loan for their face?

Kristen Ahlenius: I think if it's 0 percent interest and you're doing the right things, then why not? I do think that it's a slippery slope and I think you can quickly become the kind of person who can't utilize a 0 percent offer responsibly. And I think in different [00:13:00] interest rate environments, it makes more sense than others, but if you're doing it responsibly and the difference is being spent or saved rather in a four and a half percent yield savings account, I don't have a problem with this.

Peter Dunn: Dave, here's where I go with this. 0 percent interest, 12 months. I don't know how much of these facey things cost but if, if the extra money is going to everyday luxuries at two to 500, how will this person then find the money to make good on the 12 months? 0 percent interest. Or are they saying they're giving up the everyday

Damian Dunn: luxuries?

I think that's fair. You're going to have to figure out a way to, it's just like any other luxury spend or, or anything else you're gonna spend money on in your life. It's money has to be there to pay for it. Otherwise you are going to that 0 percent is going to disappear. You're going to start paying interest on it.

And I don't know, I, I would, [00:14:00] it's hard for me to understand wanting to go into debt for don't do it. Don't

Peter Dunn: do it. But you're

Damian Dunn: on the line. I understand it could be very important, especially for someone who is in sales who feels like that may be a big part of, of their, their approach as well as maybe some societal pressures as well.

So I, I'm not going to cast judgment just because I don't understand. It doesn't mean it may not be a good approach, but I would tell someone to be very, very careful with how they choose to finance something like this because as Kristen said, it's not something that you want to start a snowball effect on.


Peter Dunn: I, can I change the lens here for a second and just go man buying hair plugs? Can we just go

Damian Dunn: that route? That was exactly what was going through my mind for you and I specifically. It was like if we had a chance to get a great deal on a new hair system or plugs or whatever at 0 percent interest for 12 months, would the financing of it change anything for you and I?

In that [00:15:00] respect, or is it more of just a, this is who we are.

Peter Dunn: Well, I've been in this situation. I was offered free hair plugs to endorse it on a billboard 30, 000, the Cadillac of hair seating. And I said, no thank you. And. I don't regret it, but it is the same thing. Honestly. I mean, this, this con that's where I want to make sure this conversation goes is to acknowledge this is not a gender specific problem.

I think there's just, you have to change the lens a little bit. So I'll end here with this as we just had the fastest segment and show history. I have no problem with it as long as it's fiscally responsible. I don't really care what you spend the money on. You could buy Bob Ross's art collection for all I care, as long as it's fiscally responsible.

And it's with that and the perplexed look on my co host's face that I take a break. Host down. We'll be back after this. I'm Pete the Planner.

Damian Dunn: Pete, there aren't enough hair plugs to save either you or I at this

Peter Dunn: point in our lives. We [00:16:00] would need all the hair plugs. Yeah, I,

Damian Dunn: that would cost a fortune.

Peter Dunn: I can't even imagine how much.

Yeah, 30, 000 is, but then again, okay, so over the holiday this past whatever holiday I sort of let my hair grow a little bit. Cause I've just, I was unkempt, which is a fun word to say. And dame, we got some, the field has got some plain surface issues. Like it's, isn't that

Damian Dunn: great. I was just like, I, for some reason today, getting ready for the day, what if somebody challenged Pete and I to grow our hair for a month, would, would either of us do it at this point?

Peter Dunn: Can we someone just ask by someone I mean, Danza DeLuna, the legend can't picture either of you with hair. You know what? I still can picture myself with hair. Dame. I assume you can still imagine yourself with hair. Sure. I'll tell you I was at least two or three points more [00:17:00] good looking with hair, but whatever.

I don't care. I really don't. So we did get. An email that I'm not going to read on the air, but I'll read here on this, just the podcast.

It's a very long one. So I'm just going to get to the chase. Someone ran a broker check last week after the show, I think a lot of people did honestly. And this person I do not personally use a financial advisor, but my wife's 76 year old father does long, long story short. This person had inherited IRA from his wife's mother when she passed away and the wife's father, his father in law uses a financial advisor, the 76 year old man.

And so they, they, they let that advisor manage the inherited IRA for the emailer. And long story short, it's too late. It did [00:18:00] really poorly. And then after our show last week, they ran a broker check and a customer dispute was settled in 2021 for 150, 000 for quote, alleged excessive. Inappropriate, unsuitable investments and outside the reasonable scope of appropriate diversification in quote, and that's more or less what they felt they experienced in the moment.

So Dame, I believe this to be the tip of the iceberg of what's going to hit my inbox here in the next 10 days.

Damian Dunn: I, I'm very conflicted about this because I would love all the stories to hit your inbox. At the same time, I'm going to hate it because that means there are that many people out there. That are potentially working with somebody who won't be working

Peter Dunn: for their best interest.

Yeah, Kristen, I've been thinking about this a lot, obviously, because we've been talking about it. I want all the stories in my inbox. I just don't want anyone's names because I'm not like, I don't want like this person's email. They're like, let's just call the person Doug. And I'm like, fine, call whatever you want.[00:19:00]

I don't care to know who the person is like this advisor, this or I don't care about that. But I do think it's interesting when people find these things. Yeah, that's

Damian Dunn: fair. I do know a financial advisor with the first name of Doug. So My name, my, my mind immediately went there.

Peter Dunn: Mine

Kristen Ahlenius: went to Crypto Doug.

Peter Dunn: At the office this past Monday this was a hot topic here at HQ1.

And in, in a, a meeting, people start running, start running checks. Man, there were some disappointed faces. It got, it got uncomfortable. It got uncomfortable. Anyway. What, what's this one? A doom spending? Sure. Yeah. I'm just going to come up with an intro that may or may not capture what you're trying to capture.

Typically. Typically. Three, two, one. Back on the Pete the Planner show. Kristen! There is a cultural movement [00:20:00] that people are feeling so much despair over their finances, the world at large, and everything going on. Brazil, that I'm just kidding, I made that part up, I was just picking a country.

Everything's fine, everybody. The Portuguese speaking folks of Brazil are fine. Kristen, people are throwing their hands up in the air, not just waving them like they don't care. They're doom spending. They're saying, things are so bad, what's it really matter? I'm gonna spend money like a sailor on leave, which, as we've learned.

It's not an accurate representation of how sailors spend. What is doom spending?

Kristen Ahlenius: Great question. So one of our colleagues sent me this article that I thought did a really great job that states that in the face of economic turbulence and political strife, why not enjoy the finer things in life like a Chanel bag?

or fancy skincare products. That's what Millennials and Gen Z think at least. More than ever, younger generations are spending their savings on luxury goods, Bloomberg reported on Wednesday, known as [00:21:00] quote, doom spending, unquote. The act is practiced by what, do you want to guess what percent of Millennials practice doom spending?

Peter Dunn: Sure. But Dame, I feel like we're just a. About to guess wrong and offend millennials, but maybe don't generations noted or just millennials,

Kristen Ahlenius: millennials, Gen Z and then compared to all Americans.

Peter Dunn: Okay, yeah, we can do that.

Kristen Ahlenius: Okay, so which one do you want to do first? All Americans?

Peter Dunn: Yeah. What? Okay. So what's the question at

Kristen Ahlenius: hand?

What percentage of Americans spend more to deal with their qualms about the economy and foreign affairs?

Peter Dunn: What does it matter whether they're having an affair with someone overseas or domestically? Oh, my. Okay. I have a story at the break. Don't let me forget. Dame, what do you think?

Damian Dunn: This is all Americans.

All Americans. All Americans. First ring or second, first or second team? [00:22:00]

Peter Dunn: Sorry. Actually funny. That's three weeks in a row Dame's

Damian Dunn: been funny. That's three. All right. The pressure

Peter Dunn: next week is going to be unbelievable.

Damian Dunn: I will say 32%.

Peter Dunn: Oh way over way over. I'm going

Damian Dunn: self reported.

Peter Dunn: So yeah, probably 71%.

Damian Dunn: I thought you meant I was high.

I thought, are you high because

Peter Dunn: 71 percent of people spend money because of despair.

Kristen Ahlenius: It's actually 27 percent Oh, come

Peter Dunn: on. What percentage of Americans lie? A hundred.

Kristen Ahlenius: This was, Hey, this was credit Karma's reporting. People didn't self report.

Peter Dunn: Yeah. They're fine.

Kristen Ahlenius: So, okay. So knowing that that's our benchmark here, 27%.

What percentage of Millennials participate in doom spending and then what percentage of Gen Z?

Peter Dunn: Maybe I just think like a [00:23:00] Millennial, clearly. Alright, Millennials I'm going 41%. Gen Z, I mean they got a lot to hate. I'm going 57%. So 41 and 57 is where I'm coming in. Dame? I will

Damian Dunn: go I was, I was gonna say 46.

For for millennials so but I'll go ahead and say 46 and then I will say 52 for Gen Z. What do we

Peter Dunn: got? 43

Kristen Ahlenius: millennial 35 Gen Z.

Peter Dunn: I mean, anyway, so doom spinning is just like saying, I'm just gonna blow money and deal with the ramifications when in the dystopian society that we live in. After the

Kristen Ahlenius: whatever, yeah, it's that they're there.

Why would I worry? The world is just in such turmoil anyway. But okay. So you guys, the reason I found this so interesting and I don't think I've been on the show when we've talked about this, but I think the two of you have talked about the lipstick effect before. No, I

Peter Dunn: promise Damon. I have not talked about the

Damian Dunn: lipstick.

I can't count the number of times Pete and [00:24:00] I sit around the office just talking about it. The shades that are, you

Peter Dunn: know, I like a wet lip, you know, like, I like to look like I just ran through a water factory as they're called.

Kristen Ahlenius: One of us on this show is supposed to be an economist, you know,

Peter Dunn: a skeptical economist.

What, what is the lipstick effect?

Kristen Ahlenius: So as I understand it, this is dangerous now because I am not our show economist. So this is just like what I've read about it, but it's the idea that when times are tough, Americans will still find the money to purchase smaller luxury goods. known as the lipstick effect.

So the idea is times are tough. So instead of purchasing a more expensive beer, I might purchase a cheap domestic beer or instead of my starbucks or my dutch brothers coffee, I'm stopping at the gas station or at mcdonald's. The reason I think it's interesting is because if the [00:25:00] lipstick effect prevails, if that's how we tend to behave as a society, isn't doom spending The opposite of that.

Peter Dunn: Interesting. You're just saying like, what's it matter? It's, isn't it yolo? Are we not talking about Yolo? Mayor Hawk said maybe it's an inside joke from a long time ago. . I don't wanna explain that joke. Please don't. I won't. Look, I stress eat. This is quite clear. I mean, this is just as obvious as the day is long.

Is this just stress eating?

Damian Dunn: I, it's, it's stress eating, but at nicer places. Yeah.

Peter Dunn: Yeah. It just feels like you're just running off of a, a bridge faster. I don't know. I don't. Okay. Dane, when you're, do you stress spend or do you like, you know, retail therapy, you go and shop and you feel better. I, I, I've [00:26:00]

Damian Dunn: been, yeah, absolutely. And the, the bigger, the stress, the more susceptible I am to it.

I, my dad passed away a number of years ago. I stress spent a lot. at that point. But there's, you know, the daily stuff that comes up to that that can push you to to amazon or whatever is convening. This is just a way to in my opinion, this is a way to one distract yourself from whatever you are stressed about and to feel like you've got a little bit of control on whatever situation you're dealing with as well.

Because you're spending money, you're making decisions and consuming brain power and emotional power with anything other than what has got you You're welcome. All anxious,

Kristen Ahlenius: but I think the difference with doom spending is they're specifically making a call out to luxury products and services. So is that different from?

Because to me, when I think, okay, if we're comparing our physical and our financial health here, [00:27:00] I feel like we're talking about that, like daily. Increase that, that, that stress reduction on a more frequent basis. They're quoting people who bought imitation Birkin bags and Chanel bags. And this article we're talking about one giant luxury purchase.

And we're saying that this doesn't matter. So is it.

Peter Dunn: I'm confused now. They bought fake Birkin bags? Well,

Kristen Ahlenius: I mean, I don't know that anyone that I know can afford a real Birkin bag.

Peter Dunn: Well, hold on though. Like, if this is doomspinning to say I'm buying luxury goods, that person isn't buying luxury goods. They want people to think they're buying luxury goods, which is a whole other issue.

That's not doom spending. That is what, where I grew up called fronting. That's right. They are fronting. Some swap meat, Louie. Yeah, I don't actually, yes, [00:28:00] I have never been to a swap meet. I know this. This does not seem like a doomsday. This feels like people that just like I'm doing poorly. The world is not going well.

Hey everyone, in spite of that, look what I can afford even though I can't and I didn't. That doesn't seem like doomsday. Maybe not. I don't know. Maybe we just ridicule the person that sent you this article. And I'm comfortable doing that. I'm not.

Kristen Ahlenius: It was very nice of them to do that.

Peter Dunn: Well, I'll see him after this segment.

I will take him out back. Anyway, I don't mean take him to Outback to get the Aussie special. Cheese fries. Okay, coming up after the break starter emergency funds? I think that's what we're talking. Kristen, is that right? Yeah, just like that. Oh, neat. Alright, so here on the Pizza Planet Show, we talk about money sometimes.

And in the next nine minutes, we will talk about money sump. Be there for that. Or not. It's your [00:29:00] choice. I'm Pete the Planner. I'm sure our executive producer at the radio station would love that. Sign off. Listen or don't. I don't care.

Damian Dunn: Here comes some commercials. Turn the channel.

Peter Dunn: Here are the people paying for this.

Good luck.

Oh, I did have a story. Kristen, you may want to plug your ears on this one. It's pet related. Did I tell you about the billboard that I saw? Is it sad? Kristen, you might want to plug your ears on this one. Dame, I was at a competition, cheer competition in Evansville, Indiana last weekend. Because I love my daughter very much.

And let's just leave that part of the story there and move on to the story I want to tell on the way home. We're grabbing a bite to [00:30:00] eat there in Evansville before we head up the road and head on home. And I'm in the drive through waiting for some food and I look up and see a billboard by a local veterinary clinic, a veterinarian veterinarian.

Do you struggle with that veteran? Any of you guys struggle with saying the word veterinarian? I

Kristen Ahlenius: say

Peter Dunn: Veterinarian. Yeah, you say it wrong. Veterinarian? It's Veterinarian, unless the billboard misspelled it, which is also possible. And there's a picture of a dachshund, a sweet looking dachshund, laying its head on a woman's shoulder, and the dog looks pensive slash sad, but just peaceful and cute.

But not like cutesy, just like, Oh, but not like, Oh, more of like a, Oh, do we know where I'm, I mean, you know what I mean? I think I get it. I can kind of show you my picture of [00:31:00] the billboard. Yeah. I took a picture of the billboard. You can't really see it. Can you see it? I know the podcasters can't listen.

It's just a, and the sign reads, Oh, Chris, plug your ears, plug your ears. Tinder goodbyes in home pet euthanasia. It's a billboard that they'll come to your house and kill your animal. And like, innovative service. I'm just trying to get a Butterburger from Culver's, though. And I look up, and there's a picture of a dachshund that says tender goodbyes in home pet euthanasia.

Damian Dunn: Okay, there's a couple things going on. I,

Peter Dunn: I told you,

Damian Dunn: I'm, I'm fine with the service. I think it's great. I think I would probably utilize that if there was something around my neck of the woods for that. But the location, I mean, you got to figure out your [00:32:00] best medium to try and reach people. I mean, it's got, it's got us talking on a one top 1 percent podcast in the country.

I mean, so I guess maybe

Peter Dunn: they succeeded. I'm not critical of the vet and the vets logo has a horse and then a dog on it. And so I'm thinking, okay, this is horse country where that service, I've told you my uncle was a equine vet. I, I, this is a years ago story on the show and I rode with him one day for his job just to see what it was like.

And we went to one of his clients house who had a horse and, and the guy was like, Doc, I need you to put down my horse. And I turned to my uncle, sort of under my breath, and I was like, I don't know what making fun of this horse is gonna do for this guy. Which wasn't appreciated by my uncle, because he's like, no, this is serious.

These people are really upset. But anyway, there's a horse on the spillboard, [00:33:00] there's a dog on the spillboard, and then there's a small, tiny lap pet. And so, I don't know. Also, what made me think of this during that segment is you said foreign affairs, which is a turn of phrase. And what made me think of about his youth in Asia, whether the youth are in Asia or Europe or Africa, I'm for them.

And that's how we got here.

Kristen Ahlenius: Your brain is very interesting. I think

Damian Dunn: that's why he's good at what he

Peter Dunn: does. I don't know about that. That's why my wife doesn't talk to me. Speaking of. Oh,

I got in trouble last night, Kristen, after you and I had dinner. I went to I went to where my family was and my, my wife is wearing this beautiful necklace and then another necklace under it and then another necklace. And it looked very nice, but it was like three. It was like a look, you know, you got to look with a few different necklaces.[00:34:00]

And I called her Mrs. T. I knew that's where this was going. And then, for the rest of the night, I was like, I pity the fool. This doesn't change the channel. Oh no. And then, and then when the kids were going, he was like, Eat your vegetables. And then like, Like, I was having a good time with it. But like the audience was had moved on from the joke because my kids had no idea what's going on I'm literally just angering my partner and then this morning when when it all had Glossed over and I think everything is close to fine.

I when my daughter's leaving for school Stay in school. And then I left the house and I think I'm in trouble right now. I don't know if I can go back home.

Damian Dunn: You're going to have some random Russian guy come and change your locks while you're gone today.

Peter Dunn: Is it the Schleg? Kristen, do you know who Mr. T is?

Oh my

Damian Dunn: gosh.

Peter Dunn: Okay. I'm going to say [00:35:00] three names and I want you to say what they have in common. You're ready? Mr. T, Clubber Lang and B. A. Baracus. What do they have in common? They

Kristen Ahlenius: all starred in media before I was alive. They

Peter Dunn: are all the same person. Oh, awkward. Wow. I mean, come on, there's no way she knew who Mr. T was.

Damian Dunn: I don't know, I mean, he was, he was pretty big culturally and it might have slid into some of the

Kristen Ahlenius: Okay, I don't I haven't I, the only knowledge of that is indirect because on Friends, Chandler made that I pity the fool joke once, but I don't get the context of that joke.

So like, that's, that is my

Damian Dunn: exposure. She doesn't watch movies, so the Rocky series would have been out. Nope. A Team was probably not even in syndication by the time [00:36:00] she was born. True. And he had, I mean, he went completely dormant for a while, so it's possible she wouldn't have had any. It's not possible,

Kristen Ahlenius: true.

I don't

Peter Dunn: know. Oh man. Anyway, so, I may not go home tonight. That's where I'm going with this. And I can't go to Evansville now. Yeah. Let's move on.

Damian Dunn: If you do, I wouldn't fall asleep.

Peter Dunn: financial things. Three, two, one. I just hit play on

Damian Dunn: my calculator. Wait, you hit play on your

Peter Dunn: calculator? I hit it all clear to start the segment.

Damian Dunn: And that's play?

Peter Dunn: Let me, okay, I'm sorry. I didn't sleep much. Here we go. Three, two, one. Back on the Pete the Planner show, sharp and crisp, ready to solve your money challenges. Sorry. Okay, Kristen, there's a lot of talk around [00:37:00] the finance space around emergency funds. Yeah. And what is a starter emergency fund?

Like what is the, what is the lowest point you can live your life with your emergency fund at and still feel comfortable? Did I capture the essence of what you're laying down?

Kristen Ahlenius: Yeah, absolutely. I've been the back story here is I've been watching a lot of other finance creators here of late and an underlying theme is if you have debt that you need to pay off, then start with some level of emergency savings.

Then shift your focus exclusively back to that debt, which is something that we talk to people all about at your money line is like a little bit of an emergency savings to start. But then let's focus on especially high interest rate debt. The discussion I think becomes interesting around what is that number?

What is the starter

Peter Dunn: number? I think we have to acknowledge [00:38:00] that Dave Ramsey really Put a flag in the ground around this topic a couple decades ago, I think a couple decades ago, maybe 15 years ago with 1, 000, that was his call 1, 000, which let's be honest is, is arbitrary. As 417. It's just arbitrary.

It's just a round number. So Kristen, does it make sense to have that be the starting point of the conversation because it is culturally relevant or are we going a different direction?

Kristen Ahlenius: Well, that's what I wanted to talk to two of you about because I've seen a lot of pushback in different creed because whether they are.

Saying that that's why they make those recommendations. A lot of personal finance experts suggest 1, 000 is a great starting point. And in so many comment sections and forums online, I see so many people making the argument that 1, 000 isn't enough [00:39:00] because life is just too expensive for 1, 000 to be enough.

And that's kind of what I wanted to unpack is. Is 1, 000 enough anymore? Or is that to your point, arbitrary number? Is it also antiquated?

Peter Dunn: Maybe later we, at the break, can we talk about creator versus expert? Because I, I got stuck on that. Unfortunately, I'm cranky. Go ahead and say real things.

Damian Dunn: Kristen, according to what you said, one would be led to believe that 1, 000 is the expected minimum for What do we call a starter emergency fund or I don't know, whatever it is, but 1, 000 should be your starting target.

You came to us and said, if you're actively working on paying off debt and you've got other goals, but you need to have that cushion there so that when life inevitably happens, you don't find yourself going backwards into additional debt. [00:40:00] Get it. I think the amount of your starter fund needs to be Related to the amount of debt you're able to pay off on a month to month basis, but additional additional

Peter Dunn: income.

Okay Last part slow it down and give me an example. Great.

Damian Dunn: Glad you asked Pete Let's say you are able to throw 500 extra a month at credit card debt, whatever's out there, whatever you're trying to eliminate. You've got 500 free cash flow that you are able to put towards eliminating debt on a month to month basis.

I would suggest humbly to the two of you that if you have a high amount of free income, you could potentially get away with a smaller amount. Of emergency fund because if something happens, you shut off paying off that debt and shift all of those resources towards the emergency [00:41:00] for one, two, whatever months and maintain minimum payments on the, the other goals that you are working on.

So if you've got this just random thought, if you've got 500 of free cash flow that you're putting towards towards debts, maybe a 500 starter emergency fund is enough while you were aggressively paying off those debts. What's a YouTube?

Peter Dunn: I'm with you there, but it's gonna if it's 150 of free cash flow that falls apart.

If it's 2, 000 a month of free cash flow, it definitely is amazing. But I don't know the use case of how realistic that is. But I agree with you and Practice y'all what I was in Kentucky a couple of weeks ago. Y'all what, what credence should we pay to this idea though? An emergency in itself is an immediate demand for money.

So it actually can't be so low that whatever's there doesn't help you, you know, an emergency vet service to your home or [00:42:00] something like that. How do you, how do you account for that? So if it's too low, it doesn't even solve the problem.

Kristen Ahlenius: My argument for that, though, and where my head keeps going when I see these conversations is if I'm someone who's had a history of outspending my income, and now I'm trying to work that backwards.

If 1, 000 maybe isn't enough or 500 or whatever the amount is, is it still okay? Because that, how do I want to say this? Having to leverage debt again, if I don't have enough saved for an emergency. Is that, it's still better than the place that I was in before. And I know I love to say that better than bad isn't good, but it's progress.


Peter Dunn: well, first of all, that's that logic is why Mrs. Planner did agree to. I don't, I mean, I, I want to say [00:43:00] one month's expenses. I really do. But I also know how unrealistic that is. Like that's just wildly unrealistic. Oh, Kristen's got a face. Well, now I

Kristen Ahlenius: have another thought because we were talking about.

People who have, if you have 500 in free cash available versus someone who has like tons of discretionary income available. To me, I almost think the person with tons of discretionary income available who needs to pay off unsecured or consumer debt is actually potentially more of a liability because if you have the money available and we're saying, well, then maybe you don't need as much in an emergency fund.

Have you proven your inability to manage those dollars effectively? Are you the one I'm actually. Pushing to have more in emergency savings.

Peter Dunn: Dave, is it possible that the nuance and the complicated nature of this make rules of thumb silly?

Damian Dunn: Yeah. I mean, are we actually getting to the point where we are saying personal finance is indeed personal and your behavior and is [00:44:00] going to determine a lot of what makes the most sense for the individual.


Peter Dunn: Yes, we are. You know, I don't want to go beyond finance here today. In this moment, I think there's a lot of cultural things where we try to find simplicity in the explanation. And then we, we become reductive in that nature. We say, well, it's this or it's that. Come on. It's really complicated. I think it is like, I will, I will, I will go just a financial, but a step further.

Well, here's what you do. And it's like, it's actually more complicated than that. I'm not saying we don't need to do something different and both sides, one side's going, this is what you do. The other one goes, no, this is what you do. And it's like, well, actually you do neither of those things because it's really nuanced and complicated.

And that's where I get as the longer I've been a, I'm not calling myself a creator, Kristen and a financial expert, the more I realized those big rules of. Do this. I'm [00:45:00] putting it on a billboard. They don't actually help most people.

Kristen Ahlenius: Yeah, but people need, need some sort of starting point. They need a dart on the board.

And I think that's where these rules of thumb come into place. People are searching for where do I even begin? And I think to some degree we have to be able to provide. Here's a good idea. Here's a good starting

Peter Dunn: point, which is maybe how Dave Ramsey came up with a thousand bucks cause it's just a round number.

What about this one? And I'll throw this out with a very little time left. That way, if you don't like it, you can't say anything about it. What about one paycheck?

Look at your boy and you get paid once a month back to one a month. No one paycheck. I mean, it's an interesting starting point for sure. Yeah, I,

Damian Dunn: I I think that's an interesting target for most people. One paycheck.

Peter Dunn: Kristen's gonna find reasons to not like this and then slack him to me after the show.

That's okay. [00:46:00] Let's let's everyone calm down. I have a dumb waste of money this week. Yes, dumb biggest waste of money this week I don't know if it's entertaining or not, but that can be said about our entire show In fact, I believe I read that on iTunes All right Coming up after the break the biggest waste of money of the week on the news right here from your creator No, beat the platter.

You're a creator. It makes me seem like God.

Damian Dunn: It's my genes. Am I calling you God or dad? I'm not sure.

Peter Dunn: Creator. I hate the term creator. I love it. I mean, I don't, I'm not in the, the biblical sense. Like in the I don't like it. Love it. No, it's like early on I didn't love the word content. I came to accept it and acknowledge it.

I, creator. I mean, am I old man in it here? Where are you at?

Damian Dunn: Yeah, I think you are old manning it at this point. I, I mean, it's, [00:47:00] it's just how you view and apply, see the application of the word and you're one step away from a cane at this point,

Peter Dunn: Andy I don't know what my mobility has to do with this, but Andy asked an interesting question.

She says, do I prefer creator or influencer? That's a great question. I prefer influencer and I thought that was obnoxious. Yeah. Wow. No, I think creator is you just film your hobby. I mean, what are we just filming our hobbies? Like if I go into a liquor store. If on some chance I were to find myself in a liquor store and I just film myself on the wall of bourbon looking at different bourbon bottles and I put it on YouTube, that is what do you do?

Ah, well, you know, I'm working on, I'm a creator. That's, that's nothing. That's literally nothing. You just filmed your hobby. That's an influencer. Yeah, but it's not an influencer. You're not trying to [00:48:00] influence. You're just creating content. It doesn't mean you're

Damian Dunn: good at it. I mean, you're creating content.

It doesn't mean you're a quality creator. I mean, it's like you've got it. People that play sports all over the country. They can say, I play baseball. Well, it doesn't mean they're a great baseball player. They just, that's what they do. That's what they are doing.

Kristen Ahlenius: This feels old man

Peter Dunn: gripey to me. Well, look, I mean, you know who I am.

David has an excellent point here. Creator equals take it or leave it influence. Influencer makes an impact. I get hard to disagree with that.

I don't, Kristen, let me, let me say, if we're going two out of three weeks, I apologize into you. Oh, here we go. If you fancy yourself a creator, and that's, that's totally fine, and I'm sorry if I be saying creator, I would view you more as an influencer. And, and dare I say, what is better than both of those, is an actual expert, is, which is what you are.

And I think that's where I, I, I, I'm sort of like creators say, I'm like, I don't really care what creators say. I [00:49:00] do care what experts say.

Kristen Ahlenius: I would I would rather be a creator than an influencer, but I would like to think that, yes, I am a personal finance expert. By definition, you

Peter Dunn: are an expert is above influencer.


Kristen Ahlenius: yeah, but I don't know if that's how other people would describe me. It's not my job to tell them what they think those words mean.

Peter Dunn: Game recognized game also from where I grew up, Dame, what's the hierarchy creator, influencer expert, or are we talking like apples and zebras here?

Damian Dunn: I think you've got it in the right order if we're going to try and put them in a hierarchy, but an expert doesn't mean that they're going to be more influential than an influencer.

An expert could be a really bad creator. True.

Look at half the, half the stuff that gets millions of views on, on social media. They're, [00:50:00] they are arguably influencers, but they don't know what they're talking about, but they may have more influence than an expert.

Peter Dunn: I don't know. I've stopped watching trials on YouTube right now. I haven't. Yeah, I haven't.

That was quick. It was just a, it was sort of a trial period. Chris notes, yes, experts are most definitely well above influencers, but Dame is correct. Most people are more swayed by influencers. Dame, are you gonna be funny on the show next week? I don't know,

Damian Dunn: I, this, this one was completely spur of the moment.

I hadn't

Kristen Ahlenius: a hat trick. It was wonderful. That's true.

Peter Dunn: And another, if you go one more week of being funny, you are officially Dame Chappelle on the show. Oh, Dame Chappelle,

Kristen Ahlenius: an upgrade from some of his, from Crocodile Dame Dee, I believe. That's one of the

Peter Dunn: best I like the Dame Matthews band Dame Ramsey is also good.

Jim, Jim

Kristen Ahlenius: Damer. Jim Damer was a good one too. [00:51:00] Yeah.

Peter Dunn: Okay. Sorry. Dame Bautista. Anybody, anybody lost me? Well, three, two, one. This week's biggest waste of money of the week, right? I think there was a lot of letters there right here on the Pete, the planner show. The pulling it up. So everyone just calmed down the whole hem on.

That's right. The Whole Hamon. It is a leg of ham, Spanish ham to be more specific, and it can be yours. The Mercado Famous Whole Ham. A charcuterie is a must on the holiday table. Take the basic board to the next level with the Mercado Famous Whole Hamon leg. Considered the most prestigious ham in the world.

The leg is from a free range, grain fed, 100 percent Serrano pig. And has been cured for 24 months. [00:52:00] Timeout. Granted. Oddly enough, if the animal had been cured, it wouldn't be dead. It would. There we go. There we go. It's best carved on a ham holder. Timeout. Ham holder.

Damian Dunn: That's news

Peter Dunn: to me, by the way. Ham holder?


Kristen Ahlenius: Yes.

Damian Dunn: I thought that's what this was going to be about, was the ham

Peter Dunn: holder. Further elevating the presentation and serves up to 40 guests. For the best experience, pair it with Manchego cheese and a glass of Cabernet Sauvignon. It's 15 pounds. What does 15 pounds bone in, of course, because it's a leg, of Mercado Spanish ham cost?

And, and to Andy's point, who's joining us on the live stream this is not a waste of money. If anyone wants to give me this as a gift, feel free and I'll put it on my ham holder. Kristen, what does this cost? 24

Kristen Ahlenius: months [00:53:00] aged.

Peter Dunn: Yes. I don't know how old the pig was before it was disposed of, but once it was.

Yes. It's sat there festering for 24 months.

Kristen Ahlenius: Oh my. It is 400.

Peter Dunn: Dame.

Damian Dunn: Does it get its own seat on the plane across the ocean? That's

Peter Dunn: a good point. The thing is it would, it would definitely hog the arm rest. I didn't

Kristen Ahlenius: take that into consideration. My guess

Damian Dunn: is I heard it. I heard it.

Peter Dunn: It would hog the armrest.

I chose to just blew right by it.

Damian Dunn: I'm going to go with

Peter Dunn: 1200. It's 300. I don't want to talk about this anymore. How reasonable the armrest. Whatever. Dean, what's on the news? I didn't start the time on the segment here. I have no idea where we are. Did either of

Damian Dunn: you start? Yeah,

Peter Dunn: you're at 246. All right. Thanks.


Damian Dunn: 14%. That's the decrease in the number [00:54:00] of restaurants offering steak as a main dish over the past 10 years. Why, you're asking? Steak is delicious. Well, wholesale beef prices were up more than 13 percent in 2023 and could climb an additional 7 percent in 2024 as beef production continues to drop.

Diners want steakhouse vibes, but not the big checks as dinners at high end restaurants can easily top 100 a person. That change has moved steakhouses. No, no. Okay. To include more fish pasta and vegan options. The

Kristen Ahlenius: exhale.

Peter Dunn: It's I mean, that goes against the 400 steak we were talking about last week, right?

Yeah, exactly. I mean, Kristen said it the other day. She's like, I don't really order steak at restaurants because we have good beef. And if we're going to make steak, we'll make it at home, right? Right. Yeah, I'm kind of with you there.

Yeah. Got it.

Kristen Ahlenius: What? Wait. Okay, [00:55:00] wait. But is the takeaway of the article that people, that is, that they're not willing to pay the prices at a restaurant? So what Pete and I said is what other people are saying.

Damian Dunn: No, Kristen, the takeaway of the article was a chance for me to go moved. Oh, yeah, that was basically why I read the whole thing.

What else is in the news?

Walmart already has a huge U. S. footprint, but the retail giant sees room to get even bigger. The company plans to build or convert 150 large format stores over the next five years. Some locations will be expanded from smaller locations into a supercenter with full range of groceries and merchandise, but the majority will be new stores.

Guessing game time, kids. Oh no. The company already has more than this many stores across the country. How many Walmarts in the United States? Great

Peter Dunn: question. How many did you say they're adding? [00:56:00]

Damian Dunn: 150. Either, either creating or expanding. 150.

Peter Dunn: 150 Walmarts.

Damian Dunn: I don't know. I gotta, I gotta time. I gotta time. This is great radio. Okay, go ahead. 2,

Peter Dunn: 400.

Damian Dunn: That's a guess. Kristen? No

Kristen Ahlenius: way. Are there double that?

Damian Dunn: The company already has more than 4, 600 stores across the country and nearly 600 Sam's club warehouses. Sam's is also an expansion with plans to open more than 30 new stores.

Big box. Retailer is the largest private employer in the U S with about today. Should we go for round two of guessing game to try and let you redeem yourself? Peter, I've

Peter Dunn: got no chance. What is it?

Damian Dunn: 1. 6 million

Peter Dunn: employees. Would have missed that one. Rank your box stores, and I think the ones we'll go with are Walmart, Target, and Meijer.

Do you guys want to add anything to that in, in our lives? [00:57:00] H E B. I've never seen one of those. Ugh, bummer. Okay, so those three, do we want to add any? That's fine. Let's not add Costco. It's not fair. Rank them in terms of how you roll.

Kristen Ahlenius: Three is target. Okay. Two is Walmart. One is Meyer.

Peter Dunn: Oh, interesting.

Damian Dunn: I, I would say Walmart only because it's the one that is the most convenient to me.

There are Meyers kind of close by Walmart and then target Meyer than target.

Peter Dunn: Yeah. Target Meyer Walmart for me. But again, it's it's almost just proximity and you are in Carmel and I am in Carmel. What else is in the news?

Damian Dunn: Most investors were expecting the Federal Reserve to finally start cutting interest rates at this next meeting in March.

But after its latest meeting this week, Jerome Powell's flashed cold water on that idea. Speaking during a press conference, Jay Powell explained that he doesn't think it's likely that the Fed will have reached a quote [00:58:00] level of confidence that inflation has come down enough to start slashing rates that soon.

However, he at least said cuts will. Be likely coming this time, sometime this summer, this year, summer, who knows?

Peter Dunn: The fed is always playing with fire. I mean, that is the nature of what they do. They are fire. I just, I just realized I have that picture of the ham in place of Kristen's face. Let me switch that out.

There we go. Awesome. I they're always playing with fire. I think if they delay too much on lowering interest rates, there's a huge, huge, huge multi year impact to that. I know that's what they're trying to account for. I feel like they just got, they got to come down, right? No. Am I crazy? They

Damian Dunn: will.

They'll come down by the summer. First cut will come down by the summer.

Peter Dunn: Well, I mean, what are they gonna do? A quarter point? Probably.

Damian Dunn: They're not gonna, they're not gonna rush into it.

Kristen Ahlenius: The economist of the show, ladies and gentlemen. Wait, who

Peter Dunn: is the economist of the show? Damien! Yeah,

Kristen Ahlenius: that's what my degree's in.

His degree is in

Peter Dunn: econ. [00:59:00] I, my, my degree is in liberal arts. Beautiful. I'm a liberal, I mean, you know what though? I am Mr. Liberal Arts. I, you know, I know a little bit about Turkish apricots. A little bit, a little bit about poultry. One more story, Dan.

Damian Dunn: The benefits of remote workers they are many, there's no commute, there's cheaper lunches, fewer conversations with co workers about their fantasy teams.

That's a big one. But they appear to come at a cost. People who worked five days a week at home were 35 percent more likely to be laid off last year compared to employees who made appearances in the office, according to employment data provider Live Data Technologies. Experts attribute the trend to lack of personal connection with managers who tend to cut remote workers first when payrolls are trimmed.

This is no

Peter Dunn: surprise. So it's good to chat with both of you today. My remote workers. Oh, no. How are you? I feel nervous. Oh, no, it's all right. Well this is a fun little show. Fun little ditty. Yeah, [01:00:00] yeah. By my measure. I've got 35 seconds left, give or take. Okay. Yeah. 35 seconds. Thank you. Kristen. Big plans this weekend.

Not a one dame. No. Soccer tournament and competition cheer for me. All right. If you want to email us, please do ask Pete at Pete, the planner. com it's ask Pete at Pete, the planner. com. We will answer your show questions on the show. I might email you back and by my 0 percent chance of that. But this is a long winded way of saying, I'm sending you good vibes because good vibes are all that's in the budget.

I'm Pete the Planner, and this is the Pete the Planner Show. What'd I actually hit there? 942. Oh, I went over. I'm gonna get a little less Johnny Cougar. I'll deal with it. Eric, you need to watch your mouth. You are very liberal arts. That's why you're a creator. I am not a creator. I mean, Kristen, at this point, I really don't.

Other than all the content I create, I don't really create [01:01:00] any content. That's literally what we

Kristen Ahlenius: did yesterday.

Peter Dunn: No, but I would say being a, an actual writer and doing an actual show, you mean, isn't the con, I'm not putting out a 16 second, Hey y'all, when you go and you buy nuts in bulk, be sure to look for this number on the, like, I don't do that.

Damian Dunn: You are arguably closer to Pete the Creator these days than Pete the Planner.

Peter Dunn: That is true. Chris and I talked about that dinner. We did talk about

Kristen Ahlenius: that. But I just think that you're kind of jaded in your view of the words Of everything. Well, you said it. Of Creator and Influencer.

Peter Dunn: I'm not, I'm, I'm actually Team Influencer now.

Kristen Ahlenius: I think that that's

Peter Dunn: wrong. I can't. Well, that's okay. And you're probably right that I, I'm, I am no longer believe that my opinions are correct. They are just my opinions. Right? Like I actually don't believe that they are right. It's just what I believe. What word will come next [01:02:00] after creator? Like what's going to be just a further deterioration of expertise?

What's what's coming next? I'm a talker. I'm a, Oh, this is my favorite talker. What is it? What is it going to be? I don't know. Rick Swink says we need someone to edit clips of this show and post it to the YouTube channel. Maybe. Maybe. Here's what I don't need. The small number of views festering in my brain making me feel further inadequate.

Damian Dunn: If you want to see a version of the news with video and b roll head to LinkedIn and you can catch a version of me doing the news on your Moneyline

Peter Dunn: page, I believe. I mean, from your mouth to God's ears. The creator, the one true creator. I gotta go. Sorry, Jeremiah. All right, everybody just, you know, stay getting money.