Joseph

Cumplianos, filis. Te diciemos, Andreas. Cumplianos, filis.

Who else has kids I can steal?

It's addiction city. Says the kid. It's addiction city.

It's, do the one. It's addiction city.

Andreas has received many awards, including DJ for Best Latin, Short for Escape. Wow. What is he directed? Here we go. Known for. Let's go known for. Bad Friends. First thing up there. Go look at producer.

Nothing.

Oh, that's so good.

She's actually from Slovakia, near where Melania's from. I'm from Slovakia, but I was in fire. In fire, yeah.

You have to be one with water. Now you're Bruce Lee? Yeah, Bruce Lee. Dude. Water can flow between different races.

Okay.

This is water. You have to be one with, you know, Bruce Lee.

But this is water. Dead on Bruce Lee, dude. Do it again then. You have to be one with water.

I don't know.

Right, right, yeah. Right, right, right, right. Yes, Philly.

Sure. Okay, anyway.

Hello, my lady. You hang out in Morocco often? Here's looking at you, kid.

Hello. What is your name?

No, thank you.

This is a Global Player original podcast.

21.

Genitals aside, yeah, that left knee after the knee op, pretty good.

I don't think I've got any varicose veins, but I don't really know what they are.

So I was just thinking, so Joanne, you're getting them lasered off. Do you not need veins? No.

Do you do that thing like when you read books, you cast, do you ever do that when you read a book, you cast people in the role? So you sort of have the person that you imagine in your mind. So I suppose people do that for podcasts. Yeah.

Much like the appendix. They stopped working. Just sweeping them away.

Yes, Vogue, I do have an appendix, yes.

Riddle me this.

Thanks.

There's no need for that. You should get those tonsils lasered off.

You can say it. Thanks, mate.

Are you saying that she's always on holiday? They're travel size. Travel size.

That was Christmas.

I'm doing. All right, what's up? So I'm going to be 23 next week. I've been married for... almost two and a half years to my wife. We got married, I was 20 and she was 19 when we got married. And I guess I struggle with a lot of fear, anxiety, and just worry constantly. I think my brain is just constantly overthinking everything and it's kind of exhausting.

And I think it takes a toll on my marriage and just by, I'm not able to show up as well as I think I'd like to, just because I'm so in my head that with every decision I'm making, I'm having this insane internal dialogue. Have you messed something up big in your life?

I mean, I know that... A lot of my fear, all of that stuff comes a lot from my upbringing, I would probably say. Just because I saw a lot of divorce. I saw cheating. I saw death threats. My grandpa held a shotgun up to one of my stepdad's heads at one point. I've just seen a lot on both my mom and my dad. I want to go one step deeper.

It's, there's really not a day that goes by where I'm not really, like, my chest just always feels heavy. Okay. And I feel like with every decision I make, there's just something on the line. I'm like, I'm screwing something up.

I mean, whenever I was... I got introduced to pornography and those things when I was really young. And... I didn't necessarily get caught. I actually came to my parents and told them. But I've had a lot of shame about it my entire life. And I even, early on in our marriage, I was really into it. Because me and my wife, we waited until marriage to have sex. And, you know...

We dated for a good three years before we got married. And I think I had to come to my wife and tell her, you know, what I've been doing. And I've slept up multiple times and still struggle with an addiction to, you know, the other half of it, the masturbation piece.

I guess the thing that, I guess how that kind of plays into is I, I just feel like my wife and I haven't been on the same page as far as you haven't. Uh, and, I don't know, because she struggles with her own things, her own anxiety.

That's the thing. I feel like I'm – that's the hard thing. I don't know why I can't cut myself some – What is not cutting you slack getting you?

The thing, so I've had all these, I feel like I've had these conversations. My struggle is that I feel like Whenever I say my wife and I are not on the same page, it's like I've been trying to get us to go to therapy together. There's this couple that I really appreciate. I told her the other night, I'm trying to get a dinner scheduled with them, and she's very hesitant about it.

But I was like, I really like the way that they love each other, and I want that for us. And what does she say? Sometimes... you know, she says, you know, I'll do the dinner, but I'm not going to promise you anything, you know, like that. I'll, I guess.

I feel like I've said it many times of, you know, just like here, let's try to figure some things out, but she doesn't want to figure herself out. I mean, I believe that marriage, you have to be curious about each other. And you also have to be curious about yourself. Correct.

I feel like I've been doing a lot of work in the past two years, going to therapy and trying to figure out what's going on with me. Why am I the way that I am? And she doesn't want to go to therapy. And I asked her, I was like, do you feel safe with me? Do you feel like you can tell me the things in your heart? And she's like, yes.

I'm like, I just don't believe that's entirely true because she's just very, she doesn't like, she says she's just not an emotional person. And I don't believe that. I feel like we're all emotional people. I don't think there's not an emotional person. I think, you know, she's just afraid to face the things that are painful.

I love her like crazy, man.

That's the thing. That's why I feel crazy sometimes, man.

She does. Okay. Yeah. Yeah, I think... I think what you said is right. It's just, you know, me trying to think I know her better than she knows herself. I guess... I don't want to be doing that.

Okay.

We... Sometimes we'll play a video game together.

You know, not as often as I would like to. Does she not want to do fun stuff with you? No, I don't want to say that she doesn't want to do stuff that's fun. The thing that is hard for us is our work schedules. So she gets up really, really early and she's done with work around 1 o'clock. And then I get done at work around 5 and I'm home by 6. And she's going to bed by 7.30.

So it's like, by the time I get home and we eat dinner and do dishes, she's hitting the hay.

I think I've just kind of felt alone a little bit.

Yeah.

I wanted to be, I don't know, I just always wanted to be the man that my mom never had growing up.

Yeah.

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Okay. Well, my fiance and I, well, I should say my fiance wants to move. We currently live at her on her parents' property in a back house while we're paying off our debt. And when we get taxes in, she'd like to pay off one of the loans, but then move.

And I like from all the numbers I've touched, it's like, I'm trying to not break her heart, but tell her that we might need to stay longer until we pay off all of our debts before we add another bill expense.

It's always we're getting a bit older just to get away from, you know, parents. Nothing wrong with parents. It's just something we want to move to a bigger place for the kids.

Okay. Okay.

Electric ones.

Yes.

Pretty much free. I just pay the electric bill.

My wife's a stay at home mom. And this year I made forty four thousand.

This is what's left. Okay, that makes more sense.

I mean, I could pay off one loan, and that loan, that's $400 a month that I can put towards other loans. It's like paying off one, but it's times the hard variable. So I could pay off the biggest and then pay off the other ones.

Three.

Three.

Warehouse management.

Six, seven, and two.

I am 24. She is 25. Okay, okay.

The one that you plan to keep daily. Yeah.

Hey, thanks for taking my call.

Well, I've run into a bit of a speed bump here as far as my wife. We did the baby steps. We were in over $200,000 in debt, knocked that out in a

and uh now it's time to put money away 15 of my income into you know mutual funds and she's just wanting to park it in a high yield savings account and because she says she's scared to lose it so i'm just kind of curious the best way to go about i mean we've sat her down i've said hey this over the long term this is going to run its course we're going to you know become millionaires and

And it doesn't seem to stick. I've kind of run into a rut where we're just putting money into a high-yield savings account, and 4% is good, but it's not 12%.

Her dad, yeah.

Yeah. Yes, ma'am.

Well, I don't know the full story because it's a pretty short subject other than the fact that he had money in there. He pulled it out. I don't know how long it was in there or anything like that, but he's constantly telling her, oh, you can lose a lot of money.

I'm just like...

Okay, so he's still... He's a big influence on us.

guys. Thanks so much for taking my call.

So yeah, so I'm a medical student and I am incredibly blessed. I'm going to be able to graduate medical school, 100% debt free. Oh my gosh.

Wow. My parents are both docs too.

That is incredibly supportive. I'm, I'm eternally grateful. Um, and I currently live in a home that's fully paid off as well. They, they purchased it for me.

Yeah. Wow. It's a huge blessing. So I am pursuing a medical specialty where the prestige of your residency really matters if you want to work in a desirable area later in life. It's a pretty small field and limited job market. The challenge is that most of these top-tier residencies are in really expensive cities that would be much pricier than the life I currently live.

My question is, do you think it would be a financial mistake to leave this very stable, low cost setup in order to train to the more prestigious program that might be able to open better doors for me long term, depending on where I go, maybe even having to take out loans for some living expenses? Or do you think I should just try to stay put and risk possibly a more limited job options later?

So, yeah, it is in their name. And that is an option for sure. I think there's another layer of it, too, that I, you know, I don't want to feel disrespectful just that they've done so much for me and given me this great house. And I'm like, hey, by the way, I'm flying the coop and moving somewhere else. You know what I mean? But that's another side to the issue. Kind of.

Um, I haven't, to be honest, I've been a little afraid just because I think I have been worried how they might respond to me saying I might want to leave this house that they've bought for me. But I definitely can try to have that conversation. And you're right. I mean, they're both physicians. They'll probably be understanding.

Well, so I think I know they're on it. I think I might be listed on the home, but I mean, they're definitely the ones who have the most ownership in it. And, you know, I think they kind of bought it thinking I was going to stay where I'm at long term, you know, and train where I'm at.

And it really hasn't been until I got into medical school and realized that, you know, this this field that I want to pursue is really what I want to do. And it's probably going to require me to possibly move somewhere. So it was kind of came out of the blue a little bit unexpected.

Residency is going to be about five years.

New York, San Francisco, L.A., Boston, some of the more really expensive cities that have really reputable health care systems.

Hey, how's it going? Good.

Good. It's just a real privilege to be on the show. It's kind of surreal. So thank you very much. I feel very honored. Appreciate it.

Well, so I just recently started a job going on six months ago. I do enjoy my job, and my bosses are great. It's a good company. I mean, I think they really do right by their patience. Um, and the thing that trouble I'm having is I am making less than I was expecting when I started because I am on a pay per visit scale.

So my base salary is 73,000, but what I was initially told was on average, if I see a certain amount of patients a week, I would probably get around 85,000, but over my time working here, I haven't been seeing that, unfortunately. And it's not because it's not their fault, it's just external factors like patient cancellations and such.

Oh, sorry. I guess I should have mentioned that. I apologize. I'm a physical therapist.

Correct.

Yeah, I mean... About $85,000 is what I anticipated making.

There certainly are. I chose this particular setting just because I would work with the neuropopulation, and I liked what the company was about. But for me as well, I have a lot of student loan debt. Gotcha.

Two hundred and forty seven thousand. Yeah.

Yes, just because I've only been there a short time.

Oh, that's definitely possible.

Uh, 7,000.

Do you have any savings? Um, I do have some savings and I did have a sign on both. So I'm trying just not to use that.

Majority of the savings. Uh, 4,000. George, tell him what he does.

Thank you. How are you guys?

I'm doing really good. Um, my question is, so, uh, just give you a little backstory. My wife and I are debt free. We're saving up for our fully funded emergency fund right now. And then, uh, we plan on to start investing from there, um, to fund our retirement. Um, but yeah, so we're super blessed. I'm grateful to be debt free, but so my question is though, how can we,

can we be sure that the dollar is going to maintain its value over the next 30 years since we are going to be investing and following, you know, what you guys recommend in like mutual funds, 401k, like, should we be worried about the economy or what are you guys' take on that?

Uh, so, you know, I'm, I'm, you know, I have some friends and they're talking about, you know, Bitcoin and all these cryptocurrencies and I'm not going that route, but, uh, I don't have a, you know, when they say, well, what about the dollar? I don't really have a good answer or a rebuttal as to why dollar is going to, you know, maintain its value over something like cryptocurrency.

So I just wanted to get, so I guess it's coming from, you know, what is trending.

Definitely. No, that's super good.

Have a good day.

Hey, thanks for having me on, guys. So my question is, I'm a disabled veteran and all my income is from disability. And I am not able to invest into a Roth IRA because of all my income not being taxable. What do you recommend the best way for me to start Baby Step 4? I just finished 3, and I'm wanting to start 4 now.

It's about $52,000 a year.

It's fixed, yeah.

There is. It's like between 4% to 5%.

Like I said, just finished baby step three. So I have all of my debt-free but my home. I own a house. How much is on the mortgage? I owe 201. House is worth 240. Okay.

About 50% of my income. Wow.

Less than half of my income is bills.

Mm-hmm.

About $2150, yeah. Okay. Okay.

No, there's not. I'm just unable to work because of PTSD. Got you.

Now that you mention it, I think I'm able to make about $15,000. I'm able to make up to federal poverty guidelines.

Correct.

I'm sorry, I'm not... I'm not sure what you're asking.

Yeah, I've never heard of that before, but I have had my disability for about six years now through the VA. Okay.

So maybe like some at home, like remote work.