00:02
Peter Dunn
The jobs report came out today. Over 500,000 new jobs here in this United States of ours. Yet the market freaked out. It said, you know, that's bad because that means interest rates are going to keep going up. The world is confusing. The Fed runs the world and I run this show. My name is Peter Dunn. Hello.
00:27
Kristen Ahlenius
That's a great intro.
00:29
Peter Dunn
I don't know if it was.
00:31
Kristen Ahlenius
It was.
00:32
Peter Dunn
I thought that was oh, like a real show, not me going kristen Ahlenius is hello. Hello. Damian Dunn is here. Hello, dame.
00:47
Damian Dunn
You finally got it right.
00:50
Peter Dunn
What if your real name was Damon and your family had just been wrong?
00:57
Damian Dunn
I don't know. Would I change my know? I just insist that it's still pronounced that way.
01:02
Peter Dunn
All right, here we go. This is the first hello, Danza. First topic of the day. You have to pick a new name. What name are you picking? You have to pick a new name. What name are you picking? Does anyone have answer? Because I'll go first to buy your time if you need it.
01:22
Damian Dunn
No, I got it. When I was a kid, I asked if I could change my name, so I've always had that one stuck in. I want to swap my first name and middle name. I want to be Andrew Dunn instead of dunn.
01:34
Peter Dunn
Well, then would that be Andy or Drew or just Andrew?
01:37
Damian Dunn
I don't know. Andrew's pretty cool. I like Andrew, but Drew? Drew, ski who knows?
01:44
Peter Dunn
Yeah. Kristen, what would you besides Christie?
01:48
Kristen Ahlenius
Well, Christie would be my first choice, but one of the names that my parents have picked out, I always wanted to swap it for, so I always wanted to be Kendall.
01:58
Peter Dunn
Well, kendall Alanius. Kendi. Can we call you Kendi?
02:03
Kristen Ahlenius
Probably not.
02:07
Peter Dunn
I think I'd go with, like, Charlie. Really? Like a chuck. Like Chuck. Yeah. Call me Chuck. Or oh, chachi. Big rick swink off the top rope with Wolfgang Big. Wolfgang Wolfie.
02:26
Damian Dunn
Wolfie.
02:27
Peter Dunn
Rick Swink is sort of an I. Can we can we just do this? Like Rick Swank was the listener of the year last year. Can we do that? I would agree with that.
02:36
Damian Dunn
Yeah, 100%.
02:37
Peter Dunn
All right, Rick. There you go. And it comes with nothing. You don't get anything, actually. What's? My pocket. All right, so here are your choices. You can have a mostly used tube of lip balm.
02:53
Damian Dunn
Do you still have that? The Pete the Planner lip balm. Is that still around the office?
02:57
Peter Dunn
It's still around. It's Pete, the planner. It says, pucker up and kiss your money. Hello, Pete the Planner lip balm, which I think is funny. And then I have clear eyes eyedrops. Not because I smoke marijuana cigarettes and I have to be clear eyed. It's because I'm a 45 year old man with dry eyes. So it's like I was thinking the other day, if I got pulled over and my pockets emptied and I pull out visine the cops looking in the console. And I would just say, look, that's not my thing.
03:29
Damian Dunn
Sir, do you think you can really tell a lot about a person about what they carry in their pockets?
03:34
Peter Dunn
Yes. You carry a buoy knife. You carry the knife of a man who knows Krav MAGA. Kristen, why don't women have things in their pockets? Because hermi knife pete, women don't have pockets. But they'll tell you if their dress has pockets. Oh, they'll tell you that's.
03:52
Kristen Ahlenius
Why? Because it's a big deal. It's like, hey, look at this. I actually have pockets.
04:01
Peter Dunn
Okay, podcasters, we have an issue. Dame, you keep a flashlight in your pocket?
04:10
Damian Dunn
Yeah, it's a habit from what I did before I started working for you. There were a lot of times I needed a flashlight to be able to see into darker spaces.
04:22
Peter Dunn
Let's do the flashlight again. Don't shine the camera. I just want to see the girth of this thing.
04:28
Damian Dunn
It's like a pen. You can see it's very well worn.
04:34
Peter Dunn
It looks like a lightsaber.
04:36
Kristen Ahlenius
You carry that every day?
04:39
Damian Dunn
Most days.
04:40
Peter Dunn
Is that why you always seem so happy to see me?
04:43
Damian Dunn
Yes, it's exactly why.
04:45
Kristen Ahlenius
Hold on, hold on.
04:48
Damian Dunn
Rick has one.
04:50
Kristen Ahlenius
You know that your phone has a flashlight?
04:53
Damian Dunn
Not like this one.
04:54
Kristen Ahlenius
And a compass.
04:55
Peter Dunn
You don't need a dave okay, the knife I get. How many times have you used that flashlight? This week.
05:06
Damian Dunn
This week.
05:09
Kristen Ahlenius
That your iPhone flashlight wouldn't have just gotten the job done.
05:13
Damian Dunn
Have you ever tried to shine an iPhone flashlight outside at night? When you've got dogs outside? It doesn't go anywhere. There's no throw to the iPhone flashlight. If you want to be able to actually see any kind of a distance, you need an actual flashlight. IPhones are made to fill for pictures.
05:28
Kristen Ahlenius
But I have an actual flashlight. It's like 1000 LM, but it's not like that.
05:34
Damian Dunn
Yeah, this one's not 1000 LM. Come on.
05:39
Peter Dunn
You're a legend. You are an absolute legend. It's like I keep Saran Wrap in my back pocket. What are their weird stuff? I keep circus peanuts mainly in the front left pocket.
05:50
Damian Dunn
I can't believe you guys are shocked that somebody might have a flashlight in their pocket.
05:55
Peter Dunn
No, that is shocking.
05:57
Damian Dunn
Tell me your white collar bougie folks without telling me your white collar bougie folks.
06:02
Peter Dunn
I'm wearing fashion camel.
06:06
Damian Dunn
Yeah, exactly.
06:07
Peter Dunn
Wait a second. Okay, no, you're saying that people love the country.
06:14
Kristen Ahlenius
No. Do not lump us together.
06:17
Peter Dunn
So, Kristen, you have a friend, your friend, he's a man. Like a man.
06:26
Damian Dunn
I want you to text him and ask him if it's weird if somebody carries a flashlight in their pocket.
06:30
Peter Dunn
Yes. Does he carry a flashlight in his.
06:35
Kristen Ahlenius
Carries he probably doesn't carry it in his pocket because he has a Milwaukee packout that goes everywhere he goes. So he has like a whole toolbox that goes everywhere he goes.
06:45
Peter Dunn
I don't have a need to carry.
06:47
Damian Dunn
A toolbox everywhere I go. I carry a few select tools in my pocket, and I'm comfortable with that. I used to carry a tiny Fisher space pen in my pocket as well. Those were the three things that hit my pockets every day a small knife, a Fisher space pen, and a flashlight.
07:03
Peter Dunn
I will note, if you go to a fine dining restaurant, it's hard to read the menu, so I do have the ambient light of my iPhone to help read them. Okay, so Rick Swink says, a real listener of the year 2022. Wallet, keys. Rick, how big are your pockets, brother? Wallet, keys, flashlight, folding knife, leatherman, chapstick, lighter, pen, handkerchief, Koozie watch, storage locker key. I added that last one. Okay, here we go. Rick says, what?
07:35
Kristen Ahlenius
I don't know if this is true, but I would venture to guess that Rick at one time worked a job that had a lot of pockets. I'm thinking about a very specific career, and Rick just can't let that's exactly. There it is. There it is. You got to fill the pockets.
07:52
Peter Dunn
Yeah. Rick just let the cat out of the bag, so to speak. The Duluth cargo pants has 13 pockets. Jason noted he carried one on his belt in a previous job. I can't think of one time when I needed it outside of the home or car. Since then, yeah. C, folks. Mr. Pete, since your hot take on sports betting apps, I haven't been the same. I too loathe the idea of DraftKings, et cetera. I'm in Vegas, man. Thanks for bringing that up, by the oh, I don't want to talk about this. I'm just thinking whether no, yeah, thank you for bringing that up. Something very real in my life on that topic is sort of going on like someone I'm very fond of is dealing with that in a very horrible way, in the worst way, and it just feels so hopeless. Grant Note. Boy, that was uplifting.
08:53
Peter Dunn
And now we do a piece. Grant Notes carried a flashlight from 1992 to 1999. Why was your future bright? In my pocket, on my keychain, my phone has a flashlight built in, so I don't carry one anymore. Also, true freedom is not carrying keys or anything, but a phone. Okay, I'm going to do a full pocket check here. Okay. This is the EDC. That's what they call right. Okay, so empty. Got clearly you've got a flashlight. That's army knife. That's it.
09:23
Damian Dunn
That's all I got. That's all I have to do.
09:27
Peter Dunn
Okay, Kristen, your job is once we empty our pockets and we tell you what's in there, you have to say whose pockets are moron for a Damonized personal brands, which I think are very established and very distinct. Pete the Planner Chapstick, where I lube my own lips with my own likeness, eyedrops for aging eyes, a ridge carbon fiber wallet. And this is good radio. I'm showing people podcasts, office keys, separate ring, and then a key fob for my car. Okay, so we know Dame's got a knife and a flashlight, and I've got the suburban dad pack. Who's more on brand.
10:19
Kristen Ahlenius
Here the wallet. You lost me with the wallet, Pete. I feel like the wallet is not on brand. I was expecting, like, a money clip.
10:30
Peter Dunn
Or no, it's one of those super thin elastic wallet things. It's not like.
10:38
Kristen Ahlenius
Well, then I think Pete, I think that's more on brand. The wallet threw me. But now that I understand, I think that's probably more on am.
10:47
Peter Dunn
I am a caricature of a ridge wallet carrier, very frankly. Anyway, we should do a financial show, probably.
10:57
Kristen Ahlenius
Yeah, that's why we're here.
11:00
Peter Dunn
Am I going to have to read that question? Okay.
11:03
Kristen Ahlenius
Also, he said it's normal to carry a flashlight, so I've lost my gosh.
11:09
Peter Dunn
Sorry. I hate when Dame's proven right. It's the worst part of my week. Every week.
11:16
Damian Dunn
Tell him to have two beers during chores tonight.
11:20
Peter Dunn
Chores. Okay. Got it. And we're going to do a show. And here it goes. My dad carried in his I'm trying to think about this. Okay. Are you ready for my dad's, when I was a kid, I bet it's.
11:40
Damian Dunn
Going to be really similar.
11:42
Peter Dunn
My dad carried an obnoxious wallet that he had in his back pocket that had to have given him some late onset scoliosis or something because it had him so off kilter when he sat down. He carried, I think, maybe a pocket knife. Maybe. But he carried a golden rule marble. It was a marble with a brass inscription on it that said, do unto others as you would have them do unto you. And I have that marble at my house. I think that was his everyday carry. Dame, your dad's a real man. Your dad's real.
12:22
Damian Dunn
So a pocket knife. He would also have cash, driver's license and a couple of credit cards, but not in a wallet. Just like the cash wrapped over that stuff. And he would grab a handful of change almost every day and throw it in his pocket. It never made sense to me, but he always wanted some change. So just take it, throw it in his pocket, off and grin.
12:44
Peter Dunn
I think my dad had a money clip, too, now that I say that. And he always had change at the end of the day. I don't know what he was buying. Kristen what does your dad have in his pockets?
12:56
Kristen Ahlenius
Very similar to what Dave mentioned. Just like this random compilation of bills, for whatever reason, because my dad's a cash guy. And then my dad carried a wallet. Like what you said, Pete. It was like a trifold, and it was huge, and he was convinced it was giving him sciatica. So my sister and I bought him, like, a thin one, and then he didn't use it for ever. But now he uses, like, a really thin wallet, some random cash probably a chapstick. One or more sets of keys, that's probably it.
13:31
Peter Dunn
Show starts in 5 seconds.
13:33
Kristen Ahlenius
Deal.
13:36
Peter Dunn
This week on The Pete the Planner Show we answer your money questions. Here's how the show works. You email us. Askpete@peteepeplanner.com that's askpete@peeptheplanner.com. And gotta be honest with you, we check that email address and today we're going to prove you just why that's true. Kristen Ahlenius joins me, aka Kendall Ahlenius joins me here on the Pete The Planner show as well as Damian Andrew Dunn Hello, Damian.
14:04
Damian Dunn
Hello, Pete.
14:05
Peter Dunn
Hello, Kristen.
14:06
Kristen Ahlenius
Hello.
14:07
Peter Dunn
Hi, Pete. Damien. Kristen, my husband and I are in our 40s. Same.
14:12
Damian Dunn
Congratulations.
14:13
Peter Dunn
Yeah, kristen cannot say the same. I first opened Series I bonds accounts at Treasury Direct in 2022. Like many, when the rate rose to 9%, I was planning to reinvest again in Series I bonds, at least for 2023. But it's been recommended to me to instead put this money toward short term three or six month treasuries instead. Until we know what the next six month interest rates for I bonds will be, I think currently treasury bill rates are around four and a half percent. I don't believe I've heard you discuss them on the podcast or radio show before. What do you think? Are these worth the hassle? Better than a CD. Where do you purchase them? Thanks for all that. You do love the team. Diana. All right. This actually goes well into what we said were going to talk about last week, but then I don't know what we got caught up in.
15:08
Peter Dunn
Something more important, apparently. What do we do with our own emergency funds? So, guys, I am looking for and lady, I am looking for very specific things. I did not dollar amounts. I don't think we need to go there. But I'm looking for if there are multiple funds that in aggregate actually equal your emergency fund, I need to know. So, dame, ladies first. Let's hear what you do, dame.
15:38
Damian Dunn
Thanks. I'm pretty straightforward guy. I use online high yield savings accounts. That's just what I've done for, oh, my gosh, probably 15 years or so. And I've been very happy with it. I love the fact that I'm getting a better rate than what I'm going to get locally. I love that there's a little bit of a process to get at the money if I absolutely need it. And I've never once thought I can't get to that money fast enough. It's just nice to have it separated from everything else. I never see it, I don't think about it, but I know it's there if I absolutely want it. So I personally use betterment right now. Just sent out a notice that their savings account, just a straight savings account, will soon have a 4% yield on that. So just slightly under treasury bill rates, no fees attached to it, no anything like that.
16:33
Damian Dunn
This is not a pitch for betterment. And then second.
16:38
Peter Dunn
Here it comes.
16:40
Damian Dunn
I do keep some cash in the house.
16:42
Peter Dunn
Yeah, but, you know, Krav MAGA and you've got a flashlight to blind your intruders.
16:46
Damian Dunn
It's in a.
16:49
Peter Dunn
Right, so there's one saving emergency fund, like, one account, and then there's some cash. All right. Kristen oh, is there more? Dame?
16:59
Damian Dunn
Sorry, I didn't I mean, there's, like, a little bit in savings accounts, the banks that we do business with, but I don't consider those anything.
17:09
Peter Dunn
Fair enough. Kristen, what's your technique here?
17:13
Kristen Ahlenius
So, pretty similar to Dame, I would say I keep the bulk of my emergency savings in that same cash reserve account with betterment, not just for simplicity's sake. And then I do keep what I call being an adult is expensive. Here's some just in case money that sits with my checking account. Well, because adult emergencies, I feel like, tend to happen in, like, 500 or $1,000 increments. Like the car needs new tires or the hot water heater goes out. So I keep a little bit of money just so that I don't have to mess with that cash reserve account, because it does take a few business days. You have to initiate the transfer. It's kind of a pain. But the bulk of my emergency savings is in that cash reserve account with Betterment.
17:58
Peter Dunn
Yeah, that makes sense. So the thing that being adult is an expensive, like, do you print off, like, a label from a label maker to being adult and expensive. Here's a little extra cash, and then you just put it on that account? Is that how you do it?
18:09
Kristen Ahlenius
Usually, yeah. And then I keep a little bit of cash in the house.
18:15
Peter Dunn
All right, here's what we do. By the way, this is where people lose faith in the podcast. We have a savings account at a bank that I don't really access, but I would love to know months. Are you guys comfortable sharing months or you don't want to do that?
18:36
Damian Dunn
How many months of expenses? Is that what you're going for?
18:39
Peter Dunn
Yeah. Okay, so I'll start and you think about whether you want to share yours in that count. Because here's the other element to this that I think is important. I think we've got, I don't know, four or five months in one savings account. And then I've got that same adult is expensive account attached to my actual checking account and often savings. And then we've got other layers beyond that are months. Five, six, seven, whatever. Right. Again, I'm not twisting and beating anybody up here, but are you comfortable with how many months are in your betterment accounts? Are you willing to say? If not, tell me to pound sand.
19:22
Kristen Ahlenius
My approach is very similar. So it's like I have this immediate access to adult emergency money. And then I would say I have, like, three, four ish in that betterment space. And then I have another account that I put money into for. That would be my next layer if there would be a long standing emergency. That money does bear some risk, though, so by definition, I'm not sure how much that counts, but it's very low risk. But then beyond that, like four ish month range. I have another, I don't know, three or so that's taking some risk, and I continue to put money into that account as well.
20:03
Peter Dunn
Damn.
20:05
Damian Dunn
I used to be right in the same line with both of you, four to five months, but based on some other stuff that's going on in our life that's gotten chewed down a little bit because we chose to self just pay for it up front and we'll build it back up over time. But we've got other areas that we could easily come up with cash if we had to for an emergency. So I'm probably most comfortable with four to five, but situation dictated something else and we'll get back to it eventually.
20:35
Peter Dunn
Kristen, did you just hear what I heard? Dame's investing in a hair system?
20:39
Kristen Ahlenius
Yes, that's exactly what I heard.
20:43
Peter Dunn
It's interesting. I used to be of the belief, and I think this is a pretty popular thing in personal finance of, well, I felt like I've got six months if we really cut back and go down to the nitty gritty. And then I started thinking about it's like, well, yeah, you would naturally cut back, but I would rather just have those months representatives to real months. There's prudence in saying, of course we'd cut back, but I also think it's imprudent to force yourself to cut back. And so that's why when I think of months now, I think of as real months, not like, oh, no month.
21:20
Kristen Ahlenius
I don't know. I think if I were in a position where I did not have an income source as my personality, I would have a really hard time making discretionary purchases.
21:34
Peter Dunn
Oh, me too. Don't get me. I like optionality. I like optionality again. Kristen I'll say when I was your age, I felt exactly the same as you feel. Exactly. But as someone who is much older, I've just evolved in this place of just this honesty with myself of like, I want optionality. I just want optionality. I don't want to back myself into a corner. Damien, are you with me or are young like Kristen?
22:08
Damian Dunn
No. I like to tell myself the story that if I absolutely had to, and that's what it came to know. Throw the brakes on everything and we'd spend very little money, but I'm old and I'm comfortable and I'm setting my ways, and I don't know how much I would actually cut back.
22:26
Peter Dunn
We have a few seconds here before the break, and I'm opening yet another can of worms from a couple of weeks ago. One of the major discretionary expenses we have in our household are spending on activities for the kids. And so, like, okay, so we have a financial emergency, and now I'm pulling the kids out of all their activities. Anyway, here's what we're going to do next. We're actually going to talk about financial confidence, which piggybacks on all of these concepts of how much money do you have available? How do we define financial confidence and how do you have it? That's next. I'm Pete the planner. I missed a couple of words in there when it was coming out. Okay, so I have this thing. There's a home by our office that it's about a mile and a half from our office down Meridian Street, just south of 86th street indianapolis, and there's a house being built and there's a sign in front of the house.
23:26
Peter Dunn
This is a private resident, and the sign just says coming soon. But it's someone's property. Is that the biggest waste of money ever? Is that someone put a coming soon? Like a big formal coming soon sign? It's not a neighborhood. It's like this person thinks other people care about the timing of this home build. It's really conspicuously odd. Do you think it's talked about it? But it is odd, though. I mean, it's so OD dame. I've thought that too, but all it says is coming soon. There's no branding, really, right? Yes. There's no branding. I should have said that. It just says coming soon with no colors, no logos, nothing.
24:16
Damian Dunn
Is it the one on the east side of the road?
24:19
Peter Dunn
West side of the road as you're heading south? Yeah. West side of the road.
24:23
Damian Dunn
Yeah.
24:28
Peter Dunn
Sorry. Yeah, you could see it with the flashlight. You just shine your flashlight up the window as you're going by. We're like, coming soon. And then you go and carve out this coming soon with your knife. Then I come by and it's like, man, I got an eyedrop.
24:44
Kristen Ahlenius
They got you to talk about it. And maybe it still is a really common marketing technique.
24:51
Peter Dunn
What are they marketing?
24:53
Damian Dunn
Yeah, there's nothing there.
24:55
Kristen Ahlenius
I don't know. Maybe it's somebody really famous. I don't know. Did you look up who owns the house?
25:02
Peter Dunn
Yeah. Because I have time to start going to redfin looking up.
25:06
Kristen Ahlenius
No, no, you go to your county assessor's website. Come on, Pete. Hello.
25:11
Peter Dunn
Wait, you can do that.
25:12
Kristen Ahlenius
Absolutely you can.
25:14
Peter Dunn
What is wrong with you? Stalkers?
25:17
Kristen Ahlenius
I know a lot of people who do that.
25:21
Peter Dunn
You're a covenant of stalkers.
25:23
Kristen Ahlenius
You don't ever drive by a house and think, I could maybe want to live there someday. I wonder who owns that. And you don't look it up?
25:31
Damian Dunn
No, Pete's got everything he wants.
25:35
Kristen Ahlenius
Must be nice.
25:39
Peter Dunn
Damn. I would stab you the next time I saw you, but you can defend yourself. James notes. Interesting thought experiment. What personal indulgence would be the hardest to give up in a financially tight situation? Oh, my. Think I think we're going to go to the next segment to that. That's an interesting conversation.
25:55
Damian Dunn
I already know.
26:00
Peter Dunn
Caitlin also stalks people.
26:03
Kristen Ahlenius
Yeah.
26:04
Peter Dunn
Okay. We're going to come back with that question from James? I think that's a really interesting question. Okay, so we actually probably shape it a little bit. So we'll do what personal indulgence would be the hardest to give up. And then we need another question to bookend it, and then we'll do Confidence maybe next week or something. What's the second one? It can't be the easiest thing to give up because that's just silly. It's like, I won't go to Chickfila. Whatever.
26:33
Damian Dunn
What would you want your spouse or significant other to give up?
26:36
Peter Dunn
Yes.
26:38
Damian Dunn
That's the.
26:43
Peter Dunn
Will note. I think I said this, remember, like, four or five weeks ago, I was like, man, I hope Mrs. Planner is not listening. And I laughed because she never listened to the show. I came home that day for the first time in, like, ten years. She literally listened to the show that day live as we're recording it. And I was like, you picked the wrong day to listen, honey.
27:10
Kristen Ahlenius
Your hair looks nice like that all the time.
27:14
Peter Dunn
Well, she's known me a while. Dame how long have you known Mrs. Advice?
27:25
Damian Dunn
I've known her 23 years.
27:30
Peter Dunn
Yeah. Mrs. Planner and I met in the fall of 96. So what's that 27 years coming? Oh, my gosh. I was a wee 18 year old. Same guy. Just looked like I hadn't gone through, like, a nuclear accident. Okay, that's probably offensive to somebody, but whatever. Did I tell you last week on the show that I'm re addicted to the show? Madam Secretary, have I mentioned this to you?
28:02
Kristen Ahlenius
All?
28:02
Damian Dunn
No.
28:03
Peter Dunn
The sitcom. I'm binge watching six seasons of Madam Secretary. Like, it's an audiobook. I just have a sitcom. Oh, did I say sitcom? Yeah, I meant drama. Whatever. Like a show. I don't know what it is.
28:15
Kristen Ahlenius
But did you also say again, you've already seen it?
28:18
Peter Dunn
I've seen it. I'm watching all six seasons again. There's 24 episodes in a season. So what is six times 24? I don't know.
28:27
Kristen Ahlenius
Oh, times 24. I thought you were dividing. I don't know.
28:33
Peter Dunn
It's 148. I think they're all about 50 minutes. Let's see how much of my life I'm wasting here. 144 episodes times 50 minutes. I'm spending 120 hours of my life re watching that show. Why? I don't know why. Are you okay?
29:03
Damian Dunn
You're doing push ups or anything during this?
29:05
Peter Dunn
Just try and does it look like I'm doing you know what? You gotta walk my face and see how hard you get shoved.
29:11
Damian Dunn
No, I don't want to get Will.
29:15
Peter Dunn
Kristen if you were getting in, like, a physical altercation with someone oh, boy. And then their defense was just to start tickling, you'd stop fighting them. Right? Yeah. That's my technique. If I ever get accosted, I'll just tickle. And they'll be like, what is wrong with you? And then I'm fine. And my loved ones are fine.
29:35
Kristen Ahlenius
Dame you'll learn that when you graduate.
29:37
Damian Dunn
Krav MAGA I'm sure that's level five or six. Yeah. And they say all this is for naught. All you have to do is tickle.
29:44
Peter Dunn
I'm the Master Splinter of really, it's the final threshold of defense is got it. If I got attacked and I went to tickle someone and then they beat the tar out of me, would you want to watch the video of that? If there was, like, a camera above from a building, would you want to see it?
30:05
Damian Dunn
Knowing that, I would want to learn from the situation and see what could have possibly gone wrong with that method.
30:14
Peter Dunn
You'D have to come watch the live stream of the show justice. Because we'd play the video, right? Yeah, totally play that video.
30:23
Damian Dunn
I mean, we'd blur out the face of the attacker, of course, to keep their privacy intact, but yeah.
30:30
Peter Dunn
Kristen, has it become clear to both you and Jeremiah that I don't have something immediately following the show today?
30:38
Kristen Ahlenius
Yeah. When it took us about eleven minutes to start the first segment. Yeah.
30:44
Peter Dunn
In three, two, one. Back on the Pete the Planner show. During the break. We record this via live stream. Fridays 10:00 a.m Eastern Facebook Live, YouTube Live and Twitter. And during the live stream, one of our dear listeners, James, who is viewing this on YouTube live, asks a really interesting question. And so we are throwing away the financial confidence segment that we are going to do, and instead, James wins. His question is, what personal indulgence would be the hardest thing to give up in a financially tight situation? Okay, so that is number one. And then we decided that we needed to add another question to that to really round out the segment. So it is what is your special friend, significant other spouse? How are we saying that? What would we want them to give up? Is that how we're saying it? Okay, this is a bad idea.
31:43
Peter Dunn
All right, Kristen, here's how we're going to play this, okay? Each of us gets to choose one person to ask the one they want to hear from the most. Like, I want to hear Kristen's friend's thing that she wants that person to give up. That what I want to hear the most. Kristen, which of these do you want to hear the most? What I want to give up, who would you want to hear?
32:11
Kristen Ahlenius
I want to know what would be.
32:12
Peter Dunn
Hard for Dame to give that's a that's good. Dame, what do you want to hear the most?
32:18
Damian Dunn
I want to hear what you would have Mrs. Planner give up, just because I know it's going to cause pain and turmoil.
32:27
Peter Dunn
Oh, man.
32:29
Kristen Ahlenius
That's okay.
32:34
Peter Dunn
Okay, Kristen, we're starting with you, actually. Let's give you an eyebreak. Dame, what are you giving up? What personal indulgence are you willing to give up in a financially tight situation?
32:46
Damian Dunn
You can tell me if this is or isn't an indulgence, but I think it's a really tight. Situation, it might qualify. I think giving up Internet at home would be really tough.
32:58
Kristen Ahlenius
Is that indulgence?
33:00
Damian Dunn
But if you're only using it for personal stuff at that point, streaming, whatever it is, because it impacts the whole family at that point, is it an indulgence or not?
33:12
Peter Dunn
I mean, it's more of a utility. It's like giving up electricity for someone that doesn't carry a flashlight in their.
33:17
Damian Dunn
Yeah, but I guess how do you use it? Is it just for entertainment and recreation at that point? There's channels on over the air, TV, Pete. You can still get some entertainment.
33:31
Kristen Ahlenius
Okay, so if the Internet is the medium, what service is it that's going to be really hard for you to give up? Is it? Hulu live? What is it?
33:42
Damian Dunn
That's a good question. I don't know if I could pick just there's probably YouTube for the family, just for all the stupid videos I watch. And I guess they don't really pay. Kids don't do YouTube very much anymore. They're into apps at this point. So maybe it would just be YouTube.
34:06
Peter Dunn
Well, okay. So Dame is saying streaming services would be the toughest yeah, let's go with streaming services. There we go. Okay, I'll go. The question for me is what would I want Mrs. Planer to give up? What indulgence? Oh, Lord, this is bad.
34:24
Kristen Ahlenius
I wish I would have thrown Dame under the bus.
34:27
Peter Dunn
Well, we'll get there. Don't worry. We're going to get there. I will note this that generally in our household, I'm the spender and she's the saver. So I'm more frivolous with money than she is. I don't know if it's worth money. I mean, just probably athleisure she accumulator of athleisure clothing. I'll go with that. Do we need another pair of yoga pants? I mean, I'm not mad, but I'm just saying, like, whatever. Kristen off of me. Here your friend.
35:07
Kristen Ahlenius
Yeah.
35:07
Peter Dunn
What indulgence would you want them to give up?
35:12
Kristen Ahlenius
I'll probably show this clip later and it's really hard to pick. Just I just want to throw that out there. I would probably say collectibles in general.
35:24
Peter Dunn
Oh, yeah. Well, this is a sequel from the show last week.
35:29
Kristen Ahlenius
Ideally toy tractors or baseball cards. Those would be nice. But if I'm picking something more serious and easier and something that I would really prefer to not be a habit at all is that a friend of mine has a tobacco habit that I.
35:50
Peter Dunn
Would prefer would go that crosses into a different yes. Dame, what would be Mrs. Advices that you would want her to give?
36:02
Damian Dunn
And she's done really well with this recently, but there was a point in time where I felt like were bringing home a new purse about every month. It was rough. I had a hard time understanding that. But she's done much better. So that's probably still what I would lean into, though.
36:24
Peter Dunn
For me, what would be the toughest thing to give up? Really good food ingredients to make good meals at home. There's like an old dumb thing of like, can't afford steak, I can only afford hamburger, that sort of thing. But I like good food, I like good ingredients. And so if I can't go buy, I don't know, a really nice piece of fish, something like that would bum me out.
36:59
Damian Dunn
Can I ask you a follow up on that?
37:00
Peter Dunn
Yes, sir.
37:01
Damian Dunn
Do you have a gas stove or an electric gas? So would that be harder if somebody forced you to go to electric? Would that be an indulgence that you.
37:10
Peter Dunn
Would that doesn't cost me anything. The cost difference doesn't matter to me. Okay.
37:16
Damian Dunn
Yeah.
37:17
Peter Dunn
All right. Kristen, what indulgence would be the hardest for you to give up?
37:24
Kristen Ahlenius
I would say going or picking up carry out when I'm not going to cook. Yeah, because I work a decent amount and on a Friday. I don't like to cook on Friday, and I don't like to cook on Sundays. That would be hard.
37:41
Damian Dunn
Thought you were going to say caffeine.
37:45
Kristen Ahlenius
Yeah, but I drink pretty cheap coffee, so, yeah, it's something that I drink, but I'll drink coffee. Like, I'm fine with that.
37:56
Peter Dunn
So last week in my Indianapolis Business Journal column, I wrote about where people find financial like, do they find it in their income? Do they find it in their ability to get out of jams? And for us around here at Your Moneyline, where all three of us happen to work, we're really doing a lot of research and study around what gives a person financial confidence, how do they move forward with any sort of faith in themselves. And so we're really digging into this. So for me, income, I think, is where I think there's three places that people primarily find it. Income is number one. I think a person looks at their income and either has a certain level of confidence in that or they lack confidence based on their income. So that's number one. Number two is permission based confidence where someone you're doing business with allows you to transact, and that in itself feels like confidence.
38:58
Peter Dunn
You can buy this car, you can afford this mortgage, this store credit card got approved. And so you find what's, like, well, the Gap wouldn't let me borrow $500 if I wasn't stable. So it's that sort of thing. And then finally, this was the sticky one. And we're going to talk a little bit about this after the break. Just setting up the next segment here is what was modeled for you in childhood and adolescence. So if you were the beneficiary of your parents stability, it's possible you actually appropriated their confidence. And then going into your young adult life, you didn't actually have stability. You just had the confidence of someone who had a very comfortable adolescence. So I think that is really complex and I think it is a thing where a person is like, oh, yeah, things have always worked out for me. And it's like, I'm going to shush your lips here and let you know that things worked out for you because someone else was doing the work and you were just the beneficiary of it.
40:00
Peter Dunn
So coming up after the break, we got a bunch of emails on this topic because it was in my column and I asked people to email me. So we're going to explore what other people think about financial confidence, including Damon. Kristen, I'm Pete the planner. Is that the most professional 30 seconds in the history of our show?
40:16
Damian Dunn
I think so.
40:17
Kristen Ahlenius
It's up there.
40:18
Peter Dunn
God, I feel like I have a fever or something. What just happened?
40:22
Damian Dunn
I think the station is going to use that clip to try and sell us to other stations for syndication and then they're going to hear the show after they buy us and they're going to be like, that's not what we bought.
40:32
Peter Dunn
I got to be honest with you guys, I felt like I just spoke in tongues. That's what it felt like. I got don. I was like, what? That's a fun topic to joke about. I'm not joking. I'm just saying, like, I wouldn't.
40:52
Kristen Ahlenius
Anyway.
40:53
Peter Dunn
What, you want to move on?
40:58
Kristen Ahlenius
Same, Brian. Same.
41:00
Peter Dunn
Oh, man. All right, dame, let's do this. Let's read the compliment. Let's move on to the show. Let's just keep going here because I do want to make sure that I have time left in my life. In three, two, one. Back on the Pete the Planet show, talking financial confidence. What gives you financial confidence? What gives people financial confidence? Is it your credit score? Gosh, I hope not. That's permission based confidence is your income. I kind of get it. But that can falter as well because there's no stability there. Or is it how you were raised? I'll go to my two experts here. Kristen, you dig through people's financial lives just like damn and I do. And what do you think are some overarching ways in which people either have confidence or don't have confidence in their financial decision making?
41:56
Kristen Ahlenius
I would say something that's pretty common in our work. So there's a lens of bias here is a lot of the time people feel like they might need outside permission from someone who's unbiased because someone might be capable and confident, but without hearing it from a member of our team. I think sometimes people feel like they might not be ready to make a decision or they might not be making the right decision.
42:23
Peter Dunn
That's interesting. We have a board of directors here at our organization, a very accomplished board of directors, people who know what they're doing and very successful. And as we try to grow our organization, occasionally I get confidence from their validation of what we're doing. So that resonates with me. Kristen, like what you just said, I'm like, okay, I actually I get that right of like, I think this is right. What do you think? Oh, that's absolutely right. Confidence. And then you go, Dame, what else do you see? I mean, you dig through people's lives as well.
43:04
Damian Dunn
I don't see this very often, but I think it's a really interesting one, is that sometimes people get confidence from mirroring other people's lives that they see, that they know, and their friends. And so they go out and they buy similar stuff, and they do similar things, go on similar vacations. They have no insight to that person's or that family's financial true financial capability or stability or anything of that nature. But since they run in the same circles, and the other family, the mirrored family, gives a sense of accomplishment and security, and they gravitate towards it, and it gets people in trouble sometimes.
43:50
Peter Dunn
Yeah, I think what you're talking about is stick with me for, like, 10 seconds. It's keeping up with the Joneses adjacent. What you're not talking about is keeping up with the Joneses, because this isn't about it's really that litmus or maybe that measuring stick of, like, oh, okay, well, that makes sense for them, it must make sense for us. It's much more pragmatic than it is wanting something.
44:15
Damian Dunn
Yeah, absolutely. Everybody typically runs in similar socioeconomic circles, and it's very easy to just take a look around the room, see how people are doing, see how you think people are doing, and judge your own circumstances based off of appearances. Maybe you have a little bit of insight into their financial lives, maybe you don't. But your mind starts working overtime and you figure, well, my gosh, it makes sense for them, probably makes sense for me.
44:44
Peter Dunn
You know, sometime on the show. I don't know what broke this loose in my brain just now, but sometime not today. I'd love to talk about how different siblings view each other's financial lives. This will be tougher for Dame. Dame, you're an only child, and I just think it's interesting. We'll deal with that another day. Here's an email I got, Mr. Dunn. It's like, why are they emailing my father? I'm responding to your request for answers to the question of what gives me confidence for our financial life. I'll list several separate but intertwined factors. Okay, so this is a really interesting email. My wife and I have lived below our means for our long marriage. Okay, so that's number one. Number two, we have maxed out retirement contributions to IRAs, 401, KS. I was grandfathered into a pension from a major international company. Our investments, chosen by with a financial planner, are diverse, quality based and long term.
45:40
Peter Dunn
We have used the same fee based financial planner for over ten years who created income and growth profile for us. We're fortunate to be in a secure housing environment with predictable expenses. Our aggregate investments should keep our inflation adjusted to modified net worth north of $3 million. We've lived moderately and calculated our retirement correctly. We have been rational and patient investing and I read all of those things and I think, yeah, that is not only stability, but the person has confidence in their documented stability. And I yeah, Damian and I kind of had this conversation about the intersection of competence, confidence and capability because what does someone do if they start there? It's a repeatable, somewhat repeatable resource. What this person just painted a picture of is confidence in knowledge. Confidence in awareness is maybe where I go with.
46:35
Kristen Ahlenius
And I yeah, Damon and I kind of had this conversation about the intersection of competence, confidence and capability because what does someone do if they start there? Because this example was like we have always lived below our means. What if you start with this permission based confidence that you mentioned in the column and that we've just talked about? How do I undo this permission based confidence that I've launched my life on? Do I still have the capability to turn that around? I guess would be the way to say it. Because I think capability is part of this conversation.
47:20
Peter Dunn
That's really insightful because that's where the income thing runs off the rails to me because at some point you're going to be incapable of executing potentially because of a loss or decrease of income. Dame, thoughts?
47:39
Damian Dunn
When we had this conversation yesterday, I was mind blown. Probably not the right phrase, but really introspective at that point because if you think of a Venn diagram of those three things, confidence, competence and capability, it's really interesting. This person, I think, models that very well. But if you've only got two of those, any of those three characteristics that you can apply to yourself, there's a deficiency. And ideally we want to have all three of those. We want to be right smack in the middle of that Venn diagram because if you are, let's say, confident and competent but not capable, we have to try and get you to where you're capable. Maybe it's an income shortage, maybe it's something else. If you're capable and confident but not competent, you may make a ton of money. Just like you said. That income thing, you've got it there.
48:37
Damian Dunn
But you're not doing what you need to be doing. So you can go through that and run scenarios and examples all you want, but the intersection in that Ven diagram is the sweet spot in my estimation.
48:50
Peter Dunn
Boy, you guys are blowing my mind a little know. And it actually goes to this next email because this is where one of those falls apart. Great article, Pete. I hated I no, I just hated how it made me think and feel. My dad wasn't good with money, permission based confidence. My ex wasn't good with money, income justification. And my current husband is of the problem solving MacGyver method, which he just figure it out. And I have a little bit of all three, mostly income justification and aspirational purchasing, which goes back to what Dane was saying. But I've been too lucky. I've been rescued several times. Once by a great job, another time by generous child support, a freelance gig, second income hooked me up, a life insurance payout, bonuses and a huge that's the it always works out. This is love. What am I talking about?
49:45
Peter Dunn
I know my luck is going to run out and it scares me that I might make a mistake. Especially since I'm 47. My hubby is 59. So where's my confidence coming from? Faith that I will have the strength of mind to plan well and spend well. Assurance that I am learning to do better through articles like yours. Well, you don't have to say that. Elvis and YNAB and in the Wall Street Journal Plus, I have a governmental job, which helps. But I got to tell you, Pete, my confidence is dwindling with every budget, tweak, grocery store visit and medical bill. Wow. First of, don't this person. I have no reason to think they're a writer that they write with really well written email. I always appreciate a well written email. Who's this from? Did they leave a name? No, they don't. Fascinating, right? Because I don't think all three elements are there.
50:37
Peter Dunn
I mean, is capable there? I don't know. You guys have frustrated me now that I think about this too, because I'm in the midst of a book where there's two levers and now there's a third. Thank you. Thank you very much. Coming up after the break, I get angered at my co hosts. And the biggest waste of money of the week right here on the Pete the Planner show. You guys are jerks. You just like, oh, Pete, those 6000 words you have written, just throw them away. What do you do?
51:08
Damian Dunn
It can be the revised edition that comes out a month after the first one hits the shelves.
51:14
Kristen Ahlenius
The second edition.
51:20
Peter Dunn
Okay.
51:23
Damian Dunn
Do you have a bomb?
51:25
Peter Dunn
I do. Of course I do. I mean, not of course I do, but I do have a bomb. Let's start because the show is running long today because I'm Chatty Cathy. And three, two oh, wait. Where'd it go? Oh, it's not in the thing. Yes, I have it, but let me get ready to share it. Hold on. Kristen Kendall, can you entertain people while I do?
51:47
Kristen Ahlenius
I cannot entertain the people. I'm neither funny nor fun. We've established this.
51:52
Damian Dunn
You're a great radio host.
51:54
Peter Dunn
All right, here we go. Three, two, one. This week's biggest waste of money of the week right here on the Pete the Planner show is the alessi caster pencil sharpener. Beavers are known for constructing dams and chewing down trees for building materials. Colombian designer Rodrigo Torres uses the small waterbound animal as inspiration for a playful approach to an office essential. The alessi caster pencil sharpener is made from chrome plated Zamach using a refined metal working process shaped like a beaver. A pencil is inserted into the beaver where it's chiseled down to a fine point as if it were a log. Okay. Kristen the queen of the worst guesses in the world.
52:42
Kristen Ahlenius
That's true.
52:43
Peter Dunn
What do you think a beaver pencil sharpener costs?
52:51
Kristen Ahlenius
I don't care how much it costs. It's too much. This is probably the best, biggest waste of money I think you've ever come up with, even if the copy was pretty good. And I'm going to go with $50.50.
53:06
Peter Dunn
American dollars, says the beaver queen. Dame, what say you?
53:11
Damian Dunn
First of all, I have a big problem with this because it doesn't look like you put the pencil in the beaver's mouth to sharpen it.
53:20
Peter Dunn
What?
53:20
Kristen Ahlenius
Yes, it does.
53:22
Peter Dunn
At the top.
53:25
Kristen Ahlenius
It's literally the beaver's mouth.
53:27
Peter Dunn
It's a beaver's mouth.
53:29
Damian Dunn
Okay, whatever.
53:29
Peter Dunn
It goes down the top.
53:31
Kristen Ahlenius
Your eyes are aging.
53:33
Damian Dunn
Yeah, maybe it is, but good visual.
53:35
Peter Dunn
Reference for the radio, by the way, too. Yeah, good job. What? The beaver pencil sharpener is $80. Kristen was the closest. Dane, what's in the news this week?
53:50
Damian Dunn
Time to celebrate Pete. Three Indiana cities led the Slash Realtor.com emerging housing market index in the fourth quarter last year. Lafayette, Indiana fort Wayne, Indiana and Elkhart, Indiana, followed by Topeka, Kansas. And Johnson City were the top five. The index identifies the top metro areas for homebuyers seeking an appreciating housing market, a strong local economy, and an appealing lifestyle and amenities. The top ranked markets had more page views per property, faster home sales, and lower unemployment than the market as a whole.
54:27
Peter Dunn
May I heap praise upon these community leaders?
54:32
Damian Dunn
Yes.
54:33
Peter Dunn
These cities you just named, at least the ones indiana, aren't necessarily known to be in something like so that took a lot of foresight and effort and cooperative action. So kudos to all those mean. That's remarkable. Again, it's a BS award or whatever, it's a ranking. But I'll still say it is indicative of something, and it's generally indicative of focus and getting the community behind you. So congrats to those places.
55:04
Damian Dunn
Yeah. I think it shows an underlying just a statistic or metric, I should say, of things that are likely going right in those communities. So great job.
55:15
Peter Dunn
We've talked about this, I think, on the show, before Indianapolis became the amateur sports capital of the world because city leaders back in the early 80s were like, this is what we're going to do, and it worked. I don't know. It's interesting. I find that sort of leadership at the local government level, so impactful. Yeah.
55:37
Damian Dunn
The US. Government likely awarded $5.4 billion in COVID-19 aid to people with questionable Social Security numbers, a federal watchdog said in a report released on Monday. The watchdog. The Pandemic Response Accountability Committee, or Prac, said it identified 69,323 questionable Social Security numbers used to obtain $5.4 billion from the Small Business Administration's COVID-19 Economic Injury Disaster Loan Program and PPP paycheck Protection program. But if that number doesn't catch your eye, in September, the Inspector General for the US labor Department said fraudsters likely stole 45.6 billion from the United States unemployment insurance program during the coronavirus outbreak by applying tactics like using Social Security numbers of deceased individuals.
56:31
Peter Dunn
Okay, the three of us all survived the business aspects of this time together, did we not? We were all in it together, the three of us and many others here. And you remember the stress. You remembered just all of those times. And I know there are a lot of businesses like ours in much worse shape than ours all over the country that got help and got relief and stayed in business and all these sorts of things. But we also knew when this was announced, we knew this would happen. But it was one of those things of like, is it the baby with the bathwater thing? How do you prevent it while also helping the people that needed help? Is there any way?
57:18
Damian Dunn
Dame I don't think so. We knew it was going to happen. There were reports of this going on while loans were still being mean. There is a potential. Pete, I think you and I discussed it at one point. Unfortunately, it just makes the process take a long time, and that's not what we needed. People needed small businesses, needed the ability to get some cash in their accounts to keep things afloat. And that's going to come with some slop and unfortunately, that's what we're dealing with.
57:49
Peter Dunn
Yeah. Kristen, how do you get your head around.
57:53
Kristen Ahlenius
There? I don't know how much this is so bad, because when we talk about government money, I just assume that in the grand scheme of things, it's not actually a lot of money. And maybe I'm just out of touch and that's fine, but what kind of percentage are we talking about here? It sounds like a lot of money. And it is, don't get me wrong. But as a percent, like, what was the percent of fraud? Do we know?
58:17
Peter Dunn
Come on. Dame I don't know. How about this? How about this angle? People love to get mad at the government and its inefficiencies, and they love to get mad at the malfeasance and even shady stuff, right? But this story is really about us getting mad at Americans. And sure, you can say, well, where's the oversight? True, and I'm not saying you're wrong, but this is our own people being terrible to each other. Like terrible.
58:51
Kristen Ahlenius
That's a good point.
58:54
Peter Dunn
Think about this. And I have no idea where I'm about to go here, so this is going to be fun. We've all loved arguing with each other about politics over the last six years. We love it. We just hate each other. Is this not worse? Is something like this not actually worse? Because you have a principal disagreement with someone, OK. But you're actually stealing money from that's. I don't know. Like I said, I have no idea what I'm saying.
59:23
Damian Dunn
No. If your kid happens to be in public school, in Portland, Dallas, Los Angeles or Oakland and is talking sorry taking a personal finance workshop in the coming months. Ask them if they caught sight of one of the founders of the program. If he's six four and more than 300 pounds and looks like an NFL defensive tackle, that's because he is one that'd be endomican sue, 36, an American football player who strikes fear into the hearts of opposing teams. As much as sue enjoys sacking quarterbacks and tackling running backs, his Eagles are on the playoff push, hoping, well, they did reach the Super Bowl. That's maybe a slightly old article. There is something that he enjoys just as much teaching children about financial literacy. Quote they need to understand how to take care of their finances, said sue, whose Sue Family Foundation with wife Katya is partnering with the firm Intuit to bring personal finance curriculum to schools around the US.
01:00:17
Damian Dunn
Quote, especially in marginalized communities, this can be a tough conversation to have, so I want to bring some light to it. Sue's main advice for kids keep it simple, spend only what you need and save the rest. He said, learn to create and grow generational wealth, which is what I'm trying to do for my twin baby boys. And don't be afraid to ask for help. Seek mentorship, like my mom always taught me, don't be afraid to ask questions because there are no stupid questions. So, nice little feel good story, Pete. Somebody who's trying to give back to communities and instill some good financial habits from a very young age.
01:00:54
Peter Dunn
What I am about to say, I believe to be true. I think I've heard this. I think it's true what I'm about to say, but this is how rumors start. I had this conversation with my 13 year old daughter last night. I believe one of Mdomican. Sue's mentors is actually Warren Buffett, because Dominican Sue played football at Nebraska. And we all know that the Oracle of Omaha is Warren Buffett. I believe there's a connection there. And I would also note that Dominican Sue is one of the most fined players in NFL history for dirty play. So how do you explain that in a personal finance course? That's all we have time for this week on the here. Oh, all we have is good vibes because it's all that's in the budget. I'm Pete the Planner and this is the Pete the Show. Little nuggets. You know, who knew?
01:01:42
Peter Dunn
Good for him. Fun. Yeah, it is remarkable. I got to go. Greg Aqua. Greg Coworker saw him in the hall for the show, and I was like, what do you do today? And he said, Well, I went to a coffee shop, a new coffee shop up in Fisher. Okay? I was like, what is good? He's like, yeah. He said, I had a drink called the Spicy Snowman. I said, Greg, why are you telling me this? Because my hands are I have to bring this up on the radio. Like, my hands are like, I can't.
01:02:20
Damian Dunn
Help you at this point.
01:02:21
Peter Dunn
A grown man ordered a spicy snowman on a Friday morning. It's a grown man. Yeah.
01:02:28
Kristen Ahlenius
Good for him. I support you, Greg.
01:02:31
Peter Dunn
I mean, you could go up to the counter. It's like the guy in front of me is like, yeah, I'll have Colombian blend, some medium, please. And then Greg goes up. He's like, Tell me about your spicy. Seems so on brand.
01:02:47
Damian Dunn
Did you drink it through a straw?
01:02:48
Peter Dunn
Yeah, probably.
01:02:51
Kristen Ahlenius
On brand.
01:02:53
Peter Dunn
Okay, I got to go. You for all of your lives. Good day to you. Oh, stay getting money. Bye.
